Pay Day Zen

One of the things I love most about my new saving lifestyle is that I forget when I am going to get paid. Since paying off all my credit card (CC) debts, getting paid is just a nice surprise. Formerly, it was necessity that was preceded by the stress of juggling current account and CC Read More …

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 …

Minimizing Your Years To Retirement

I talk a lot about saving on this blog, and here is why: Your savings as a percentage of your income dictate when you can retire. Here is the idea: if right now you are in the position that you can live the way you want, without any income from active employment, and can do Read More …

Saving $13,000 by Ditching These 7 Things

Saving is the route to getting up in the morning and not having to go to work, or just not getting up in the morning; staying in bed all day with a book or a loved one. Not doing anything you don’t want to do that day. To get there we may have to work Read More …

The 4% Rule – How much do I need to retire?

Now we have our budgeting done, and our savings underway, we need to answer the big question: How much will I need to retire? Welcome to the 4% rule. Luckily for us, this question has been answered by many wonderfully clever chaps and chapesses across the Web; all you have to do is distill the 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 …

Financial Independence – What’s That?

You may have noticed I use the terms “Financial Independence” and “Early Retirement” interchangeably, and some of you have asked what I mean, so here is a quick post to clarify. To me, financial independence is not: having a good job that pays enough money to cover my bills and let me go out to Read More …

Weber-Fechner Law of Pricing

A reader sent the link below about the Weber-Fechner Law of Pricing. It is really interesting, and fits right into my field of thought, so I figured I would chuck it up here for all of you to watch and learn how to keep more of your money in your wallet. Video courtesy of Darden Ideas Read More …

What am I saving for? – Financial Independence

  So I have told you a little about me during my first couple of posts, but I haven’t really discussed what it is I am saving for, other than the generic early retirement and financial independence. Therefore I thought I would fill you in a little more, as a couple of people have asked. Read More …

Retirement by 40 My Story

Hi! My name is Saving Samolian, and I have a little tale to tell that I am sure most of you will identify with: in the summer of 2015 I was on vacation in Italy, espresso on the table beside me, girlfriend sitting across from me, boats bobbing in the marina in front of me, and I Read More …