Tag: Expenses

Monthly Spending

December Spending Report – Lots of Travel

December Spending for a family of two plus two dogs. See their line by line budget and spending

It’s the start of a new month, which means I get to review our spending! When I first started tracking spending using Personal Capital (sign up for free today), I was not excited to see where my money was going. However, taking the time to truly dig into our budget helped us slash our annual […]

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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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Frugality

Get to Know the Frugal Pack

Hi readers! I’m Mrs. Kiwi and I write the bulk of the content here! To welcome you all into the frugal pack, I wanted to share a little more about our pack. Both my hubby and I are environmental engineers, millennials, and lovers of all things frugal! Our pack (two humans, two dogs) has cut […]

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Happiness Health

The Christmas Gifts I’m Getting for Myself

Gifts to give yourself for the holidays - what I'm giving myself KiwiAndKeweenaw.com

Let’s be real, gifts on holidays and birthdays can be a let down. I get that it’s the thought that counts, and fortunately my family stopped exchanging gifts, but the in laws and some other people still insist on annual gift giving. I always try to have a few items on my wish list around […]

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Frugality Groceries

15 Items that Always Make Our Frugal Grocery List

frugal recipes frugal kitchen

We’ve slashed our grocery budget to $225/month for two adults, and I’m excited to share with all of you the fifteen items that we consistently buy to make this possible! These foods help us save money on groceries, and get our shopping done quickly. We were originally spending $700/month on groceries to feed our household! […]

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Happiness Mr. Kiwi Work

Changing Careers and Choosing a 60% Pay Cut

Story-time – Deciding to Take a Job with a Large Pay Cut (Written by Mr. Kiwi) It’s difficult for me to talk about my career and future without launching into my whole life story. It feels like maybe if I explain the whole thing maybe you’ll be able to help give me advice or at […]

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Monthly Spending

November Spending Report – We Bought an Electric Bike (Kit)

Spend less money, see this family's real spending (DINKs with dogs!)

It’s the start of a new month, which means I get to review our spending! When I first started tracking spending using Personal Capital (sign up for free today), I was not excited to see where about my money was going, but taking the time to truly dig into our budget helped us slash our […]

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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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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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