Save money

How One Simple Change Can Save Money

Lessons From a Cup of Coffee

We often focus on the major expenses in our lives, and we should. Switching from a large, expensive house to a more affordable one would immediately save lots of money. So would moving to a less expensive part of the country or a whole new country for that matter. But sometimes those options aren’t really possible or realistic. Instead, I like to look at the smaller expenses and I’m … Continue reading...

10 Common Money Wasters – And How to Avoid Them

Our money is so valuable. Money is what gives us time. Yet, we throw away so much money by not being mindful. Avoid these money wasters by making some simple changes.

Before we get right into some of the common money wasters, it’s important to note that what might be a waste of money to some (or most) people, is not necessarily a waste to everyone.

For example, Ashley and I spend a good amount … Continue reading...

13 Easy Changes We’ve Made to Save Over $9,000 This Year

Will Those Easy Changes Save Big Money?

There is a fairly consistent debate that goes on in the personal finance world about how much of a difference minor changes make in a person’s overall financial position. Author David Bach has famously termed this, “The Latte Factor” and has written a book about it. Some argue that there is no reason to sweat the small stuff because major expenditures such as mortgages, daycare, and car payments … Continue reading...

Ditch Your Budget…and Save Money?

Yes, you heard that right. Ditch your budget, and potentially save more money.

Over the past few years, we have saved or put towards student loan debt nearly 30% of our income. While this may not seem like an astronomical number, with our expensive daycare bills, we consider this a pretty big win. (Read more about this in my interview with PFI). We did this without a budget and without any strict rules. We simply … Continue reading...