10 Ways To Cut Spending

Living the cut spending life style has been really good to me over the last 9 months. I have paid off all my debts, have no rent to pay, and have minimal bills that are easily covered and all on direct payment. It is amazing. It has been a lot of work and I have Read More …

The Value of Used Cars

As I cruise America’s back roads, I am always struck by the number of used cars rusting away on the side of the road, long grass growing around them, in contrast to the close-cut lawns on which they sit, and sun-bleached For Sale signs pasted in the windows. I have never understood why so many of them seem Read More …

Steaks – When Treats are Defeats

Last Saturday afternoon, my girlfriend and I were in the car trying to decide what to do with the rest of our day. We were talking about the possibilities, and I couldn’t get red meat off my mind. “Steaks,” I said, “I’d love a lot of meat, where can we can we get meat?” A Read More …

Personal Capital Review

I started using Personal Capital in November 2015, and I love it! The phone app allows you to see how much you have saved anytime you need a little motivation. The nice people over there send awesome emails telling you how much better off you are than this time last month (which really makes the saving Read More …

Budgeting 2 – Where to Make Savings

Budgeting, budgeting, budgeting, budgeting… Now you have the hard part complete, this is where the real fun starts. It is a building block of successful saving, and eventual financial independence. Once you have started, you might just find it a little addictive. Carrying on with our example from Budgeting 1, it is now time to collate all the Read More …

Budgeting 1 Your Current Spending

Now I have planted the seed of Reducing Your Rent, we can let our subconscious work on that while we turn to getting on with transforming the rest of our spending through budgeting. The first thing you need to do is figure out why you have decided to take control of your finances. Make a list of what Read More …