Millennials in the 30-something club are getting smarter than previous generations such as the Baby Boomers, who learned the hard way that taking on enormous debt and spending everything they made set them up for almost certain financial ruin. Today a larger part of this generation of adults and parents of young children choose to experience life first, have children later and manage money smartly.Types of LoansMillennials are not all … [Read more...]
Benefits of Living a Frugal Life on Purpose
Simple living and financial independence does not have to do with depriving yourself of money or things. Actually, living a frugal life on purpose can be quite beneficial. Living a frugal lifestyle is all about spending the money that you do have and earn with purpose towards a specific goal such as paying off debt or whatever else that will lead to ultimate happiness. According to an frugal article, being frugal has plenty of benefits that don’t … [Read more...]
Frugal Air Conditioning
The weather here has been ridiculous. Hot and humid. Depending on where you live, you might be dealing with the same things. I live in an apartment building where the electric bill is included in my rent, so I don't worry about the financial implications of running my air conditioner, but I do worry a bit about the environmental implications, so I try to not be too ridiculous with the temperature. I know a lot of people turn off their AC … [Read more...]
Saving money and being left out?
A few of my coworkers go on a quick coffee run every morning. It's definitely a social outing, and a nice break from the office. I always bring my coffee to work (saves money and tastes much better), so I'm never invited on these outings. Sure, I could just go along, but it seems silly to go on a coffee run if I'm not actually going to get anything. I think it would be different if they sat and chatted at the coffee shop before coming back, … [Read more...]
Who knew toilet paper was such a big deal?
The other day, my roommate accused me of being cheap. You see, we take turns buying certain things for the apartment - dish detergent, coffee, toilet paper. The stuff we both use regularly. There's no set rule on brands or anything, though if I went and bought 18 rolls of toilet paper, she couldn't go buy a 4 roll pack when it was her turn. (Well, she could, but then her turn would repeat.) These are, of course, unspoken rules.Turns out … [Read more...]