From the category archives:

Saving & Investing

The importance of dreaming big

by Karen on June 25, 2009

Photo by martie I’m the first to tell you that frugality is a real struggle sometimes. No matter how committed I am to this lifestyle, no matter how appreciative I am of the security and peace of mind it brings us, I still have weak moments when I look at what other people have and […]

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Life before our emergency fund

by Karen on June 24, 2009

Every once in a while I’m struck by the difference between life now and life before we started living frugally. Back when we made more money than we do now, but we were always strapped for cash. Back when a car problem or unexpected bill could completely wipe us out and then some. It hasn’t […]

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We’re making some serious progress

by Karen on June 9, 2009

If you’re following my progress through my progress meters in the sidebar, you may have noticed some changes over the weekend. Our emergency fund is now over 75% complete! Woo hoo! We’re getting so close! Our Europe fund doesn’t appear to have changed, but it did. I increased our savings goal for Europe to $10,000 […]

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Last week, I wrote about the steps we’re taking to make sure we can get through the summer on my income alone. Throughout the year, Tony is paid to teach undergraduate classes at his university. Now that it’s summer, he won’t be receiving a paycheck. We knew this was coming all year, so we saved […]

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Tony’s summer vacation has officially started. He won’t be teaching or taking classes again until the end of August. Unfortunately, this means we’re losing a third of our income for the months of June and July. We’ve been anticipating this temporary loss of income all year, so we prepared by putting aside most of the […]

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One of the main concepts of frugality is that life isn’t a competition when it comes to finances. I try to avoid comparing myself to other people, because we inevitably fall short in terms of material possessions. Just for fun, though, I took a look at some national averages to see where we fall on […]

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A year ago, our situation was drastically different than it is today. Our savings was depleted after months of bringing in less than we needed to make ends meet. We had a little money in the bank, but not enough to sustain us for very long. We were living frugally out of necessity. Though our […]

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How much money do you need?

by Karen on April 4, 2009

This question has been floating around the blogosphere and beyond forever, but I’ve never really taken the time to answer it — not on my blog or even for myself. We all dream about one day having enough money that we don’t have to worry about it anymore. But how much money would it take […]

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An update on goals & a progress report

by Karen on April 1, 2009

I can’t believe it’s only been about 8 months since we committed to frugality and began saving our emergency fund. Our progress has been slow, but it’s started to pick up since we paid off our credit card debt. Beginning in January, we doubled our monthly savings amount. Hopefully that means the progress meter I […]

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