Simply Frugal. Simply Healthy. Simply Happy.
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This post was originally published September 3, 2009. “Wait, wait,” you’re saying. “Budgeting helps you make better decisions with your money, which should be helping your savings account. Isn’t that the whole point?!” And you’re absolutely right. However. This summer, I learned a valuable lesson that I want to share with you. Sometimes being too [...]
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According to a new study, nearly half of all Americans definitely or probably couldn’t come up with $2,000 in 30 days if they faced a financial emergency. Financial experts recommend keeping an emergency fund with enough cash to cover at least three to six months of expenses. Based on this research, it seems almost half [...]
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This post was originally published on May 13, 2009. Now that I’m a stay-at-home mom, this post is truer than ever for me. I needed a reminder of why my priority will always be finding ways to cut our spending instead of increasing our income. I thought I’d share it with you, too. When you’re [...]
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When I tell people we’re moving in 6 weeks, it always leads to the same conversation: “Oh, so you found a job?” “Nope. Not yet. But I’m looking.” “So your husband found a job?” “Not yet.” That’s when they look at my like I’m nuts. I don’t blame them. Back when I was living paycheck-to-paycheck, [...]
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No matter how much you know about money or how well you manage yours, chances are there are things you do that you know are wrong, but can’t give up. For me, it’s overpaying taxes. Here’s my confession: even though I’m married and file my taxes as a business due to various income sources, my [...]
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Last week after I mapped out financial goals for the next 3 years, I felt overwhelmed. Whenever I set a new goal, especially one as lofty as saving $20,000 for a house within three years, I go through a period where it feels impossible. I have to remind myself of how far we’ve come. I [...]
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Three years ago, we moved to North Carolina with a small nest egg but no real plans. Tony had a job waiting for him (an extremely low-paying teaching assistantship), but I spent three months looking for a full-time job in my field before I starting working part-time. We were frugal out of necessity. it’s scary [...]
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Now that our emergency fund is complete, and we’re less than $1000 away from our goal to pay for our Europe trip in cash, I’m starting to think about what goals are next for us. Even though we’re unlikely to make much progress in the months ahead, it’s time to set our priorities and figure [...]
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Take a look at the progress bars in my sidebar! We’ve completed our emergency fund in just about 15 months and it feels FANTASTIC! Over the past year, we’ve saved about 30% of our income. Not too bad, huh? We weren’t projected to complete it until next month, but I went ahead and moved some [...]
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Yesterday, I wrote about our money management dilemma: when we keep extra money in our checking account, we’re more likely to overspend, but without a cushion we’re vulnerable to overdraft fees. We only keep enough money in checking to cover our living expenses, so I’d like a safety net to avoid fees if I make [...]
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