How do you stay frugal without being miserly? I don’t want to feel guilty every time I need to make a purchase. At the same time, without a budget and limits, my bank account would soon be empty. My solution to prevent overspending is sitting right next to my wallet. In my wallet I keep […]
The Value of Independence
There are few virtues more important than independence. Independence is a requirement for leading your own life. How can you make decisions if every action you take has to be filtered through other people first? Without independence, you can’t be the captain of your life. You must be satisfied scrubbing the decks while someone else […]
What’s Your Poverty Threshold?
What is the minimum amount of money you need to live comfortably? This is a personal decision, so there isn’t a right or wrong answer. One person might say that they wouldn’t be able to live comfortably on less than $70,000 per year. Another person might be fine with less than $10,000. Why is this […]
9 Things You’re Paying for that You Can Get for Free (Legally)
Last week I wrote about why I don’t (illegally) download music. One great reason that didn’t even make my list, is that there is already a lot of free stuff. There are enough legal ways to get free stuff, that pirating the latest software or CD isn’t necessary. Here are just a few of the […]