You need to set a “target” for your real rate of return in your funding and planning strategies.
Being frugal isn’t limited to just saving money — it also means not wasting your money and spending your money wisely.
Everyone wants to save money. Few actually get around to it. Of those who do, they wish they had started sooner.
It took a personal financial disaster for me to realize that I had to get my finances in order.
Penny picker-uppers don’t pick up a penny for its money value of one cent….
When money realizes that it is in good hands….
There have been three DYI (do-it-yourself) opportunities at home this week that allowed me to choose frugality over unneeded spending by hiring someone else to do the work.
The “fuck off” fund is your line of defense in the life game of hard knocks.
If we will at least try to negotiate, we’ll often find that the seller is willing to sell the item or service at a lower price.
….the average adult spends $1,497 a month on non-essentials.