Tag: Happiness

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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Frugality Happiness

Frugal Holiday Gift Guide

THIS POST MAY CONTAIN AFFILIATE LINKS. SEE MY DISCLOSURES HERE. 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 […]

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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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Chronic Pain

Chronic Pain Challenged us to Build a Simpler Life

Chronic pain and personal finance

A simple life goes against many aspects of my nature. I love travel, adventures, and have a million hobbies. Well, okay, one million may be an exaggeration, but I am very good at keeping myself busy. Seeking financial independence involves taking control of your own life, but when chronic pain is present, that control is […]

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Environment Frugality

Things You Should Rarely Buy New

Ultimate list of stuff you should buy used

Buying new is extremely convenient, but inevitably leads to me spending money that I could instead save. Some things (underwear and socks) I always buy new. But most of time time a used item will be just as good if not better. Before you go shopping consider the old adage: Use it up, wear it […]

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Activities Happiness

Where’s Your Favorite Place?

How to travel more and travel now

Oh the places you’ll go when you reach FIRE! Are you rushing to that finish line so you can slow travel each continent, embrace different cultures, eat all the food, and finally experience living in the remote wilderness? You might be missing out on today if that sounds familiar! But, no, you QUESTION EVERYTHING!?! And […]

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Debt Happiness Health

Financial Instability – Debt, Depression, and Suicide

Financial Instability

This blog post is part of the Suicide Prevention Awareness Month blog tour in partnership with Debt Drop. If you are feeling suicidal, please call the National Suicide Prevention Lifeline at 1-800-273-8255 or text HOME to 741741. People who are struggling with debt are more likely to suffer from depression and consider suicide than those […]

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Frugality

Frugal vs. Cheap

frugal not cheap

Our household definitely hovers between frugal and cheap a bit more than I may be comfortable to admit. We are avid environmentalists and love to rescue things from peril (or the landfill). But the intent behind your lifestyle choices is what truly defines you as frugal or cheap. Thanks for the inspiration! This chain gang […]

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