Tag: saving money

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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DIY Frugality

DIY Cold Brew Coffee on Nitro at Home

How to make cold brew coffee on nitrogen at home. Complete recipe, needed equipment list, and more! Kiwi And Keweenaw

We all have a morning routine, right? You wake up, roll out of bed, maybe work out/meditate, go to work, and then sometime between 9:30-11:30 you drink that first cup of coffee! That’s when your cortisol levels have dropped and the coffee will help keep you productive! Okay, maybe I’m the only one who delays […]

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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

Kitchen Tools for the Frugal Chef

Frugal Kitchen Tools

Saving money on groceries is a favorite frugal focus recommended by most personal finance bloggers. And for good reason I may add! Over the past four years we have reduced our grocery bill by over 50%. But the other part of saving money on groceries is learning how to cook healthy meals at home. We […]

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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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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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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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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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Frugality Savings

Route to FIRE – Reduce Your Spending Roundup

How to reduce your spending from eight personal finance experts

Reducing spending is a wise financial choice regardless of your current situation. Maybe you are paying off debt, saving to start a family, striving towards financial independence, or planning a gap year. Spending less money every year adds options. After discovering financial independence/early retirement I knew it was for me. The path seams perfect, save […]

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