Category Archives: Financial & Frugality

Articles, commentary, and information on frugal living, and achieving financial security and discipline.

Trimming your budget to match your means

Self-reliance and Homesteading has an article up about ways to reduce your monthly expenses: The key is to keeping your monthly spending down is to focus on the variable cost items in your budget. If you can’t cut out things … Continue reading

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Relearning the lessons of the Great Depression

Merry Ann Frisby of the Tallahassee Democrat has an article up about how she is coming around to the way her grandmothers used to think after the Great Depression: Both of my grandmothers died with kitchen drawers full of twist … Continue reading

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Getting rich quickly – It’s the new black

It’s almost as if there were millions of people out of work and looking for anything to keep themselves and their families afloat. Every day my spam box fills up with various schemes for getting rich quickly by working at … Continue reading

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Are we free if we are in debt?

Karen Boroff raises the question in New Jersey Voices: Which one of us can be free when we owe others sums beyond our ability to repay? How as a nation can we be free with billions and trillions of debt? … Continue reading

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Scams, consequences, and human nature

About six months ago a friend and I bought a training program to get us started as online retailers. To date we have made one sale (Thanks, Mom!). We technically got what we paid for. I don’t believe the training … Continue reading

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Document Management: Types of Documents

My series on home document management continues over at The Knot in the Rope. Last installment was identifying potential records. This time I discuss different types of documents, as a prelude to exploring different ways of collecting and storing documents.

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Tax refunds are not a savings plan

When I was in college I would get a decent chunk of money back every year as a tax refund. I would call it my “Government Savings Program”. That was until my brother explained it to me. I was giving … Continue reading

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Managing money requires visibility

Many people will tell you the first step in managing your money is to create a budget. While I do believe budgets to be important, for many people the first step is something much more basic: getting in the habit … Continue reading

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It’s 10:00. Do you know where your personal records are?

Keeping track of personal records is one area that is very important, but usually overlooked. Nothing makes this more clear than a house fire, but anyone who has ever applied for a mortgage has also experienced the panic that comes … Continue reading

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Frugality, financial compatibility, and the silver lining of unemployment

One of the smartest financial decisions I ever made was marrying my wife. I’m a reasonably frugal guy, but she is great at it. I think it comes from living in Estonia under the Soviet Union for awhile. They didn’t … Continue reading

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