cutting expenses

The results are staggering. The spending and earning lines move further apart from each other every year by a bigger amount. That’s a gap that’s improving by leaps and bounds.

In a system that is all about growing the gap, I can’t think of a stranger practice than taking all that time and effort to put yourself ahead with dollars, just to eat them back up a few cents at a time.

I soon discovered that not only was I spending significantly more than I estimated on food, but also that I would be unable to hit any savings goals until I was ready to be more deliberate in my spending on food.

We do our best to keep our expenses down every single month, but I had this recent push—this fire—to go super intense again.

Friday Features for frugal folks! How to be Frugal Even When You’re Not [Video] – Beat The Bush on YouTube Simple frugal living habits …

Forget the numbers, forget the idea that you NEED more or NEED less for that matter. Step back and look at what’s important to you, TALK to your partner, and make a decision based on your values, goals and financial plan

Your dedication and thoughtfulness will pay off. You won’t be among the 47% of people who can’t handle a $400 emergency. And when the right spending opportunity comes along at the right time, you’ll be able to make a well-informed, guilt-free purchase that fits perfectly within your budget.

Kim has saved (or repaid debt of) $141,500 within five years, as a firefighter with a starting salary of $42,000, excluding the additional money she’s invested into her rental.

She’s saved more than 3x her starting salary, within her first five years on the job.

And she’s done this while earning a middle-class public service salary in an expensive city.

Wowza.

The first 90 days of starting to budget, and starting to keep track of your money, and figuring out where your money is going, …

I finally had it with the whole idea of debt. Borrowing to get things we wanted just to be punished for the rest of …

Stop Spending on Things You Don’t Value This is much more practical advice versus those who tell you to stop spending, period. Focus instead …