pennies dollars coins cash - starting a small business

Does ‘Spending Pennies to Make Dollars’ Really Make Sense?

You come home from work. There’s a big pile of laundry that needs to be sorted and washed. You also need to make dinner. You

01.10.17
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Finding the Line Between Frugality and Deprivation

Frugality is a spectacular tool for immediately seeing positive financial results in your life. Whenever you find ways to get most of the same value

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Macrobudgeting and Microbudgeting

Most people, when they think of a personal budget, think of what I would describe as a “microbudget.” It’s the traditional kind, where you divide

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Why You Should Reduce Media Costs and 12 Strategies for Doing So

Recently, I spent a large portion of a day with an acquaintance who left his television on all of the time, tuned almost exclusively to

12.31.16
evernote app

How I Use Evernote, My Most Essential Free Online Tool

A few weeks ago, I answered a mailbag question from Jim, who wanted to know how I use Evernote. I gave him an answer that

cash down payment

Using Your Credit Card Bill as a Wake-Up Call

Here’s a little exercise for you to try out. Take out your latest credit card bill from your most frequently used credit card. Print it

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Movin’ Out

It seems such a waste of time If that’s what it’s all about Mama if that’s movin’ up Then I’m movin’ out Almost every person

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Lean Financial Independence: Early Retirement on a Supertight Budget

Sarah and I are at an interesting crossroads in our financial journey, one we’ve alluded to a few times recently. As we’ve said before, our

stacks of coins on desk - roth ira income limits for 2016 roth ira contribution limits

How to Create and Succeed at Personal and Financial Goals in the Coming Year

Goals have been a central part of my personal, professional, and financial successes for as long as I can remember. I remember setting personal goals

grassy path in the woods

The Road Not Taken

Two roads diverged in a yellow wood, And sorry I could not travel both And be one traveler, long I stood And looked down one

family on vacation - save money on travel

Building a Lifetime of Positive Financial Influences

The United States has a paycheck-to-paycheck financial culture. The truth is that 76% of Americans live paycheck to paycheck, with virtually no emergency savings to

skydiving

Finding Fulfillment for Less

Jack writes in: Seems to me that frugality is about balancing fulfillment with money in the bank. If you’re cutting off some options because they’re

12.11.16
couple negotiating sale on a new car

How Big Should My Down Payment on a Car Be?

Reader Jimmie wrote in with a good question about the ideal down payment on a car: I’m going to buy a new car in several

stacks of coins on desk - roth ira income limits for 2016 roth ira contribution limits

Reconciling Faith, Career, and Financial Success

Jennifer writes in with a beautiful question: I am a married 24 year old Christian woman. I attended college at a Christian school majoring in

man looking at long road - short-term investments

Using Negative Visioning to Improve Your Personal Finances

Countless articles and books and videos and classes have been created to talk about the power of positive thinking and positive visioning, some of them

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Wealth, Purpose, and the Idea of “Enough”

I’ve recently been enjoying The One Thing, a very thoughtful time and goal management book by Gary Keller and Jay Papasan. While I came away

12.06.16
three children on the floor

The Financial Decision of a Lifetime: Should I Have Children?

As I write this, I’m sitting in the overstuffed chair in our living room waiting for my three children to get off the bus, as

12.02.16
woman with red umbrella - planning for an extended leave of absence

Planning Ahead for Extended Leave, Financially and Professionally

Quite often, when the topic of extended leave from one’s career comes up, it’s in the context of having children. People often want to spend

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