How to build a life where you don’t need early retirement


Early retirement is the reason many of us give for the deprivations we impose on ourselves (and our loved ones) on a daily basis. All those sacrifices made at the altar of early retirement.  Financial. Personal. Family. Time we’ll never get back. Not this little black duck! I’m on the shady side of 50 and …

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Why Being Frugal is About More Than (Just) Saving Money

To me, being frugal is about more than just saving money.  It’s about freedom. It’s about autonomy. I love being frugal. I love the challenge of living on less and choosing to spend my money wisely, because it means I can live the life I choose to live. Saving Money Saving money for its own sake …

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Simplify Your Life to Find Time for a Side Hustle

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Struggling to find time for a side hustle? Time to simplify your life! Life can be incredibly busy. We’re all juggling jobs, family, bills, goals, dreams for a better future. Sometimes we get so caught up in the little things, we have no time for the big things. Taking the time to simplify your life …

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3 Tips to Banish Takeout Forever

These tips will do wonders for your food budget! Like all people with a frugal frame of mind, when it comes to my food budget, I endeavour to do these three things: Cook all my meals from scratch, Avoid fast food outlets and, Save restaurants for special events. I haven’t always succeeded in this endeavour. …

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5 Tips for Buying Your First Home

Nothing says I am a grown-up person now like purchasing your first house. The excitement and the process of choosing the right neighborhood are all fun and games, but when it comes to finances, things get more complicated than picking the right tone of beige. If you have decided to buy your first home, we …

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How to Manage Loans and Credit Cards

If you want a life that is as free from issues as possible you need to learn how to manage your loans and credit cards effectively. Doing so means that you do not end up owing more than you can afford to pay and fall behind in your payments. The average American has $38,000 worth …

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50 Category Ideas for Your Cash Envelopes

Why Cash Envelopes? If you’re struggling with your budget or saving for irregular bills, one of the best and most practical ways to stay on track is to use cash envelopes; a budgeting system made popular by Dave Ramsey. You can set up as many or as few envelopes as you like, it’s a completely …

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Genius Ways to Make Money on the Side

Sometimes, the hardest part of choosing to make money on the side is deciding what to do. Regardless of whether your decision is based on a need or a want, you usually need a few ideas to get you started. We’re all about helping you find the sweet spot for making extra cash. Extra cash …

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How to Fix Your Budget

Even the best designed budget can either fall short of your needs or just be inappropriate for your current situation.

7 Money Saving Amazon Shopping Tips for Christmas

8 Money Saving Amazon Shopping Tips for Christmas – This post contains Amazon affiliate links. Looking for a stress free option for your holiday shopping? If you’re not yet a fan of shopping on Amazon, you soon will be. Find out how to do your Christmas shopping without the hassle of going into a physical …

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