Simply Frugal. Simply Healthy. Simply Happy.
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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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A little over a year ago, we moved most of our money into our savings account. We didn’t want to keep very much money in our checking aside from what we need to cover our monthly expenses. I decided to leave a $1,000 cushion in our checking account. The idea was that $1,000 would serve [...]
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Tony will finish graduate school in May 2010, but after that he’ll have a semester of student teaching before he’s certified to teach. Right now he receives a stipend for teaching undergraduate classes, which he won’t receive while student teaching. Unfortunately, this means we’ll have to live on my income alone for about 7 months. [...]
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Photo by benklemm Just last week I wrote about the importance of dreaming big. Sometimes the day-to-day reality of living frugally can be tough. Having big goals to remind you why you decided to scrimp and save can make it easier. By keeping my eye on the prize, I’m reminded of why the daily sacrifices [...]
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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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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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Frugality is overwhelming in the beginning. I remember reading blogs from frugal veterans who made it sound easy, but I was terrified. Cutting groceries down to $35 a week, zero-based budgeting, coupon clipping, drug storing? It may have been easy for them, but I didn’t know where to begin. Take a deep breath. Remind yourself [...]
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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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