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 …

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 …

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 …

Save $1,417 on Netflix

I was an early adopter of Netflix I had an account for the DVD service back before the streaming became available, and oh lord do I wish I had bought shares in them when I first fell in love with the service. I would have been a lot further down the road to retirement if I 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 …

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 …

“I don’t want to go back to work.”

“I don’t want to go back to work.” Hi, Saving Samolian again, if you have read the My Story page, you will know that this was the thought that changed my life. It has led me make huge changes and get on the path to retirement at 40, and I want to help you do it Read More …