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 …

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 …

10 Reasons to Drive a 15 Year Old Car

Here is Julia, Jules for short. If she were a human we would say she has “a great personality.” What this old car doesn’t have is car payments. She is a 2001 Honda Civic, 2 door, manual transmission, hunk of mechanical wonder and I love her. She came with manual locking, cigarette burns in the upholstery, 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 …

Lunch – Stop Wasting Silly Money On It

My colleague and I had a Subway for lunch yesterday. It was truly delicious. I love Subway, I have since my first bite of an Italian BMT with my friend Richard in Cambridge, many years ago. To me there really is no better sandwich than Italian BMT on herb and cheese. The Subway sandwich I had cost Read More …