Tag: Simplicity

Optimization Savings

I’m Only Risky with my Money

How I conquered my fear of money, learned about risk, and started saving to retire early

One thing that really bothers me about intro to investing advice is the use of the word risk. It instilled fear in me when I first started thinking about investing. Unfortunately, I didn’t know where to turn to help get me more comfortable with that risk. So I spent my first investing years buying CDs […]

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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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Activities

Happy Holidays and Thank You

Risk and money vs risk and real life are totally different things

I hope you all are enjoying spending time on things you value during the holiday season. Whether that involves family, friends, the great outdoors, or getting cozy with a cup of cocoa (or cold brew coffee). Thank You Frugal Pack Readers I wanted to take a moment and thank all of you readers, bloggers, and […]

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Happiness Health

The Christmas Gifts I’m Getting for Myself

Gifts to give yourself for the holidays - what I'm giving myself KiwiAndKeweenaw.com

Let’s be real, gifts on holidays and birthdays can be a let down. I get that it’s the thought that counts, and fortunately my family stopped exchanging gifts, but the in laws and some other people still insist on annual gift giving. I always try to have a few items on my wish list around […]

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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 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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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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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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