Category: Optimization

Optimization Savings

I’m Only Risky with my Money

How I conquered my fear of money, learned about risk, and started saving to retire early

One thing that really bothers me about intro to investing advice is the use of the word risk. It instilled fear in me when I first started thinking about investing. Unfortunately, I didn’t know where to turn to help get me more comfortable with that risk. So I spent my first investing years buying CDs […]

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Frugality Optimization Work

442 Reasons Why I Walk

Where can you cut costs? This frugal wife saves $442 by not paying for parking at work and walking a bit farther! Find free parking tips for your city! Kiwi and Keweenaw is a great frugal living blog

I walk one mile every week day. Minimum. Well, at least every day I go to work, since that’s how far away I park. I built in walking for many reasons. But it all started with $17. When I accepted a new job a few years ago, I lost the perk of free parking. I […]

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Optimization Savings

Manage Your Money – Personal Capital Review

A review of Personal Capital to see how this family used this app to save $15,000 more every year! Kiwi and Keweenaw

Are you looking to improve your finances and better understand where your money goes? Well, Personal Capital helps to make that process a little simpler. We run a very frugal home, but our frugality was unguided until we started actually looking at where we were spending our money. Not just the big categories and purchases, […]

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Debt Optimization

The Case for Not Running through College

Why Taking Four Years for College is a Good Choice

A popular trend is to graduate college and get that degree as quickly as possible. Every year spent in college is another year with money pouring out the door, not a drop from the faucet, more like water at the top of Niagara Falls cascading over the falls! Plus, you also are losing some of […]

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Frugality Happiness Health Optimization

Don’t Give Up on Gratitude

Get to know the frugal pack

In the US we just finished our Thanksgiving holiday weekend, which starts with giving thanks and ends with wrestling discounted televisions from your neighbors to save a few bucks. When we were poor graduate students, our apartment was sparse, and those savings felt real – so we shopped on Black Friday. Now that we are […]

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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 Year’s, to Memorial Day, Sweethearts’ Day, to after Christmas, there is always a new sale and […]

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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

walking to work to save money by walking

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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