How to Spend Less Money: Change Your Mindset

If you're on the path to financial independence, a large part of that is probably determining how to spend less money. After all, reducing expenses has the potential to fast-track your path to FI. Related: Quick Tips to Save Money But before I dive deeper into that concept, let me ask you a question... How many women do you know who have a diamond ring? It may seem like that question came out of nowhere,…

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Emergency funds are a must. Do you have one?

So, in this post, I mentioned emergency funds, and I've been meaning to write a separate post about them. That's because everyone - or at least every household - should have one. And yet, as I mentioned in my introductory post,  most Americans have less than $1,000 in savings. That is scary. I mean, it seriously worries me for the sake of all the people out there who fall into this demographic. Emergency funds aren't about reaching financial…

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Why you shouldn’t be gambling away your chance at financial freedom

Sure, I've been to Vegas. And I'm not about to suggest that you say no if your friends invite you on a trip there for a few days. We all need to have some fun every now and then, right? Why not have fun by doing some gambling!? I've written before about how financial independence can really enrich your life. Why side track those goals by feeding a slot machine? The biggest problem with gambling…

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Why waste money on coffee when you can make your own?

Something I always try to keep in mind when spending money, especially on products, is that if I am paying that money to a business to make that product, it always means it was produced for less than what I spent on it. Most of us understand this, but it's also oversimplifying, isn't it? For example, I probably couldn't make the clothing I wear as cheaply as the companies who make them, because they have…

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Leasing a Car vs. Buying, and My Green Initiative

This article was updated 7/1/18 as I no longer maintain a second blog. Leasing a car is something you may have often heard you should never do. And while I generally agree with this sentiment, I think there can be exceptions. But first, some background. A while back, I started working on a now-defunct blog related to green technology. While green tech is still important to me, I quickly realized I wouldn't be able to maintain…

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I Switched My Cell Phone Service and Now I Pay Less

So, I do have a tendency to change cell phone providers from time to time if I find one that looks interesting. I had been with T-Mobile for years, and I'm still a pretty big fan of them in general, but I felt my monthly rate could have been lower. Not only that, but I have been thinking about traveling abroad, and T-Mobile's speed are not the best in other countries. 2G speeds, you say? Uh,…

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