Can You Save Money by Purchasing More Expensive Clothes?

I’m guilty. While I consider myself fairly frugal, I am seriously addicted to purchasing second-hand clothing. Most people probably look at me and think, “Damn how many North Face jackets does a woman need?!” It’s true, I have quite a few. In fact, despite telling myself that I would never buy expensive clothes for myContinue reading “Can You Save Money by Purchasing More Expensive Clothes?”

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”

10 Things We’ve Learned While Minimizing Our Home

If you looked into our home, you would not immediately assume that we are trying to embrace minimalism. We still have stuff everywhere, but have challenged ourselves to keep a smaller home and deal with our stuff problem. One day, I’ll be brave enough to share the before pictures of our house so you canContinue reading “10 Things We’ve Learned While Minimizing Our Home”

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”

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”

Taking Care of Yourself, Your Relationships, and Your Community

The cold winter months can be difficult for many, regardless of an ongoing pandemic. Maybe you’ve recently lost your job, lost a loved one, or have struggled with the social isolation that has come with 2020. Given our environment it’s easy to understand why depression rates are higher than they have ever been. As IContinue reading “Taking Care of Yourself, Your Relationships, and Your Community”

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?”

Create Less Waste by Minimizing What You Purchase and Buying Intentionally

I grew up in New England and moved to the Midwest when I was 18. I wasn’t the greatest at recycling or preventing waste when I was younger, however when I moved to a different part of the country, I was amazed to see how socially acceptable it was to discard even commonly recycled items.Continue reading “Create Less Waste by Minimizing What You Purchase and Buying Intentionally”

How HSAs Support Retirement Savings and How I Selected Our Health Insurance Plan

First, I want to touch on the benefits of HSAs (Health Savings Accounts) and how much you can save in taxes and earn in interest as you plan for retirement. Then I’ll review how I selected the best health insurance plan for our family for 2021. I’ll also share a spreadsheet that I used toContinue reading “How HSAs Support Retirement Savings and How I Selected Our Health Insurance Plan”