Are you tired of overspending at the grocery store? It’s easy to do – you go in for your weekly shopping, smell some freshly baked bread and can’t resist, then your usual brand is out of stock so you have to choose a more expensive one, and before you know it, your cart is overflowing…
Plenty of people don’t like the idea of budgeting. It’s understandable, it can easily feel like too much hassle, takes up too much time or is too restrictive and limiting. It’s not the sexiest of topics either. But, budgets can also be game-changing. When it comes to your finances and reaching your goals, a budget…
The 4% rule for retirement is a guideline for determining how much money you can safely withdraw from your retirement savings each year without running out of money. The rule was first proposed by financial planner William Bengen in 1994, and it has since become a widely accepted rule of thumb for retirement planning. Bengen’s…
If you’ve been looking into the FIRE movement or retirement planning, you’ve probably come across the 25x rule. The 25x rule can help you figure out how much money you’ll need to save up for retirement, especially if you want to retire early. Among the FIRE movement, this is also sometimes known as your FIRE…
Living frugally is a great way to be able to save more money and make the most of your income. But it’s hard to just one day suddenly decide to be frugal and do it, just like that. It takes time, a little adjusting and most importantly, a bit of determination. You need to ‘lay…
Living frugally is all about making the most of your money, however limited it may be. It means being intentional with your spending and making careful financial decisions. If you’re a one income household, frugal living might be a necessity, rather than a choice, but either way, it doesn’t have to make life restrictive or…
Our grandparents had some serious money saving skills. They learned how to live frugal because they had to and there’s a lot we could learn from them about super frugal ways to cut back, spend less and save more. To say the Great Depression era was hard is an understatement. Jobs were lost, businesses closed,…
Grocery bills are inescapable. You gotta eat right? And while there are plenty of ways to cut down your grocery spend, it can still prove tricky to get the most value and use out of the food you buy. That’s where these frugal food hacks come in. Being frugal with food doesn’t have to mean…
Are you tired of being broke? Money, or more accurately, lack of money, can be a huge source of anxiety and worry. Getting our finances in order isn’t always easy, and ending up with more month left than money is an all too common experience. Being short of money is no fun, so how do…
When we got married my husband and I both had a car. Nine years and three kids later, we now have one car between us. And you know what? Much as I miss my beat up old Nissan Micra, becoming a one car family has been just fine. It works for us. Could it work…