Tag: Savings

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, […]

CONTINUE READING
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 […]

CONTINUE READING
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 […]

CONTINUE READING
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 […]

CONTINUE READING
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 […]

CONTINUE READING
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, […]

CONTINUE READING
Work

Optimize Your Career Path – Public Service vs Private Sector

When I ditched my consulting job at a highly visible, well known, environmental services firm to work in the public sector I received a lot of odd glances. Public sector jobs don’t have the best reputation. Fortunately, since I’m seeking financial independence, I’m used to getting weird looks. This article will help you navigate the […]

CONTINUE READING
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 […]

CONTINUE READING
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 […]

CONTINUE READING
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 […]

CONTINUE READING