Which Subscription Services Bring Value into Our Lives?

Read my disclaimer here. A few months ago, I thought subscription boxes were fantastic. They were a mini monthly present to myself that was exactly what I wanted, and yet still a complete surprise. Makeup subscriptions, children’s books, dog toys, clothing, sustainable products, underwear, snacks, produce, etc. You name it, if marketing told me IContinue reading “Which Subscription Services Bring Value into Our Lives?”

Avoid Passing on Lifestyle Creep by Raising Frugal Children

This post may contain affiliate links. Lifestyle creep is when we gradually increase our spending as we earn more, and ultimately requires us to have more money and stuff to sustain our happiness. Unfortunately, we may be passing along that expectation to our children, defining what they need to be happy before they’ve had aContinue reading “Avoid Passing on Lifestyle Creep by Raising Frugal Children”

Why it is Important to Continue Investing in a Downturn

Read my disclaimer here. When you consider the potential for a future recession, how does it make you feel? Does the expected dip in your 401k keep you up at night, or are you prepared to continue investing to boost your retirement savings for the long run? Going into March 2020, I was thankful forContinue reading “Why it is Important to Continue Investing in a Downturn”

Your Savings Rate Determines How Many Years You Will Work

Would you believe that a higher earner may take longer to retire if they are not prioritizing saving? A lower income means a lower savings goal in order to support that lifestyle and retire comfortably, which is why savings rate is so important. Regardless of your income level, it’s your savings rate that will ultimatelyContinue reading “Your Savings Rate Determines How Many Years You Will Work”

5 Ways Minimizing Your Closet Can Make You Money

This post contains affiliate links. When I first started my professional career, I appeared to have a minimalist closet, Unfortunately, my jeans and sweatshirts from college days were no longer appropriate for the office life. Two hundred dollars later, I accumulated a couple sweaters that I wore with black pants, black shoes, and a handfulContinue reading “5 Ways Minimizing Your Closet Can Make You Money”

Goals for 2021 – Financial Independence, Minimalism, Happiness and Being a Mother

It wouldn’t be the start of a new year without time to reflect on goals for the next 12 months. Since writing them down makes you significantly more likely to achieve them, I thought it wouldn’t hurt to create a blog post to hold myself accountable. In my post, I also reference a few otherContinue reading “Goals for 2021 – Financial Independence, Minimalism, Happiness and Being a Mother”

Debt, House Down Payment, or 401k – How Should I Prioritize for Long Term Growth?

When I first graduated from college, I landed a good job that gave me the ability to afford costly student loan payments that, at the time, felt like a mortgage on it’s own. Like many other college grads, I found myself owing close to 6 figures after graduation, and was determined to rid myself ofContinue reading “Debt, House Down Payment, or 401k – How Should I Prioritize for Long Term Growth?”

Enjoying the Journey by Having a Plan

My husband will be the first to tell you it’s not uncommon for me to spend an evening obsessing over excel files with my multiple levels of backup plans, specifically different levels of budget spending. In 2009 I was laid off for the first time, and while I was able to bounce back in 2011Continue reading “Enjoying the Journey by Having a Plan”

Increase Your Future Income by Understanding Dividends & Capital Gains

A few years ago, I started investing small amounts without a full understanding of the different performance metrics. My knowledge was limited and I couldn’t project how or when I’d be taxed on my returns. I also didn’t understand how the decisions I made played a role on how much I would pay. Depending onContinue reading “Increase Your Future Income by Understanding Dividends & Capital Gains”

Bachelor’s Degree or Trade School – Which Will Help You Achieve Financial Independence First?

Let’s say that you want to know how to invest your time and your money to increase your salary, allowing you to achieve financial independence faster. As we know, we can either reduce our expenses, increase our wages, or improve our investment returns to achieve financial independence sooner. In this article, I want to reviewContinue reading “Bachelor’s Degree or Trade School – Which Will Help You Achieve Financial Independence First?”