Tag: Savings Rate

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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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 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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Frugality Happiness Mustachian Fails Savings

Monthly Mustachian Fail – Car Ownership

Cost of Car Ownership

The Kiwi and Keweenaw household leads a pretty lean life, but we make so many mistakes and non-optimized choices! This drives us two engineers crazy, but happiness also fits into the optimization calculator, which is a qualitative not quantitative measure. While there are many mustachian fails to discuss, this month I’m going to attach some […]

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Frugality Savings Work

Our FIRE Date

For writing about financial independence I sure haven’t spent a lot of time actually talking about the numbers, dates, and logistical aspects. There are lots of other bloggers who have gone down the IRS wormhole and figured out optimization. Since I like using the resources available to me, I have not recreated the wheel. Instead, […]

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Savings

How to Save 50% of your Income on a Grad Student Salary

walking to work to save money by walking

I graduated college at the tail end of the Great Recession, and job prospects weren’t great. I also was reluctant to join the 8-5ers (I wonder if that’s true for most people seeking FI). Thus, I decided that grad school was the right path for me, and my then boyfriend (now husband) had conveniently chosen […]

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