Category: Optimization

Happiness Optimization Savings

Is an Emergency Fund Necessary with a High Savings Rate?

Emergency funds are needed, right? Every personal finance expert advises building up one regardless of your financial situation. General advice recommends emergency funds range from $1,000 to one year of living expenses, depending on if you carry debt. Well, I have a confession: until this year we never had an emergency fund. No emergency fund […]

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Activities Frugality Happiness Optimization

Frugality: Spend Less by Enjoying More

We are entering the season of advertising, deals, and coupons galore! Around every corner is an opportunity to spend money! In fact, we are always entering a new season of advertising and excuses to shop to save:  From New Years’, to Memorial Day, Sweethearts Day, to after Christmas, there is always a new sale around […]

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Happiness Optimization

Optimizing for Your Values by Questioning Your Spending

Make your spending match your values

I live my life questioning everything and focused on my values, ahem, in theory. Perfection escapes us all, but striving for perfection and learning to embrace your failures will make the journey easier. Thus, while it is easy to propose that I’ll challenge everything, inevitably I realize that I have room for improvement. Over the […]

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Optimization Savings

Simplify Your Finances through Automation

automate your finances

One of the best ways to pay yourself first, is to automate your financial life. In today’s digital world setting up the automation is simple and frequently requires talking to zero people! This week, I’ve been thinking about time management, and one of my big time savers/stress reducers is that I have my financial life […]

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Happiness Optimization

Frugal Pack Challenge – Audit Your Time

Personal Finance Experts weigh in on reducing spending

Hello frugal pack readers! I’m excited to announce the very first frugal pack challenge today! For those of you new to the blog, we are looking to optimize our lives to find happiness aligned with our values. I know I struggle with happiness, but over time I’ve worked to balance my days between work and […]

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