Heidelberg: A Dazzling Gem in Southern Germany

As some of you already know, I recently took a trip to Europe. This was a big deal for me because I had never been. Not only that, but it was the first time I had ever left North America. I had been wanting to go for what felt like forever, but jobs tend to get in the way. But because I recently left my day job, there was little that stood between me and…

Continue Reading

Reflecting on Two Weeks of International Travel

What a couple of weeks it’s been! I just returned to the US after my first trip *ever* outside of North America. Honestly, I wish I could have said that years earlier, but better late than never, as they say. During my trip, I spent about a week in Germany, a few nights in Prague, and a couple of nights in Vienna and in Split, Croatia. And yes, that time went by fast. Considering the…

Continue Reading

TFF Frugal Roundup: Week Three

Hey all. After two weeks in Europe, I am really starting to get back in the swing of things over here. I had actually designated Sunday as my day to post things, but I'm still getting back on track. I should be able to stick to a more consistent schedule going forward. Either way, I want to be sure to get back to posting roundups! I didn't post any while in Europe (as expected), but…

Continue Reading

Why You Might Not Need a Budget

Budgets, budgets, budgets! It seems like they're all the rage. People on Pinterest love budgets. So they must be an absolute necessity, right? Hold on there - not so fast. In this post, I'm going to go why a budget may actually not be necessary. But first, some background. I've mentioned it before, but I attended not one, but two book launches for Grant Sabatier's new book, Financial Freedom. Both were in the area here, so…

Continue Reading

How Credit Favors the Wealthy – and Preys upon the Poor

I check my credit report pretty religiously on Credit Karma. Why do I check it so frequently, you? Ohh, I'm not sure. I'm bored? I'm a nerd who actually finds it kind of fun to track? Yeah, both of those reasons are pretty accurate. One of the items on your credit report is derogatory marks: My derogatory marks on Credit Karma. Way to go, me. I never paid much attention to this item - probably because, as…

Continue Reading

Frugal at Your Fingertips: Apps That Free Up Your Finances

By: Ben Lovell If you’re as old as I am, you’ll remember a time (not so long ago) when new tech required you to breach a certain threshold of either financial well-being or flagrant over-indulgence.  New software was a significant investment, Bluetooth headphones were a status sigil, and Flat Screen TVs were the centerpiece for upper-middle-class entertaining. Now, a lot of technology is, well, cheap.  Or at least the initial exposure is. Video games, subscription…

Continue Reading