Tag: Financial Independence

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 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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Happiness Mustachian Fails

Complainypants Mustachian Fail

Do you complain too much! How to complain less!

I’ve been in Lean Process Improvement for my job this past month, which has been so tedious! Ugh, all day meetings are not my jam. My partner has had to deal with complainypants me! Which brings us to the Monthly Mustachian Fail of course! I am (more often than I’d like to admit) a complainypants! […]

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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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Activities Frugality Mr. Kiwi

Deconstructed Black Friday Traditions

Black Friday shopping traditions using 20 years of experience. The best stories, tips and tricks for black friday shopping

I remember going Black Friday shopping with my parents as a kid. It was the tradition. We’d go have family Thanksgiving dinner. Then, after we were done eating, it was time for cards (cribbage or euchre) and reading through all of the sales ads. Everyone had their own notepad and we’d sit in sort of […]

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Activities Environment Happiness

Simplifying through #ActsofKindness

#actsofkindness This Christmas season donate your time, money, and things to help others in need and focus less on consuming

The holiday season is filled with a plethora of excuses to spend money and lose focus of your values. Just a few years ago, Mr. Kiwi and I were part of the herd filing into stores as they opened in the early hours of Black Friday morning. And, while I love thoughtful gift exchanges, my […]

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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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Frugality Happiness

Frugal Holiday Gift Guide

I am SO ready for the holiday season! I love getting together with friends and family to celebrate, eat good food, and rest. Even frugal me loves giving gifts to those closest to me. I love thinking it through, listening to my friend/family member throughout the year as they drop hints about things they desire, […]

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