Why you need to keep a Purchase List

Are you struggling to cut your spending? This insanely simple tool has saved me from countless impulse purchases. There’s no sign up, no software, no hoops to jump through. It’s literally just a list, but it’s one of the most useful lists you’ll make on this journey. What am I talking about? My Purchase List. It’s a list I keep of all the things I’d like to buy, and it’s saved my butt many times.…

Leading my brothers through a fountain.

Lead by example.

Why you shouldn’t be discouraged if you’re not changing minds on day one If you’re like me, learning to be frugal can be isolating and discouraging. You try to share with your friends and family, but you mostly get funny looks. When people don’t understand what you’re doing, the best you can hope for is a “good for you!” Don’t get discouraged! I completely reshaped my finances, spending, and lifestyle without losing friends or infuriating…

My Toolbox: How I paid off my credit card debt in 6 months.

Debt Repayment Toolbox: Balance Transfer

How exactly was I able to pay off $5,000 in credit card debt in 6 months? I’ve already discussed how I set my priorities and made dramatic cuts in my spending, as well as my anti-budget hacks to make and meet goals. My last trick? I used a balance transfer card to stop paying interest on my debt. Zero Interest. None. Not shelling out hundreds of dollars a month in interest certainly makes your money…

My First Aldi Haul!

Experiments in Frugality: Aldi & Ibotta

Today we have the inaugural post for a series I’m calling “Experiments in Frugality.” These attempts may be successful, or they may be dismal. I’ll report the results as they come in. Be on the lookout for further experiments. This past weekend I decided to try two things I’ve been hearing everyone talk about. The Ibotta app and an Aldi market. They’re not connected, I was just feeling particularly curious this weekend. My grocery bill…

Payday "Lump Sum" Challenge

The anti-budget.

How does change happen? Let’s recap how it DOESN’T happen. It doesn’t happen by trying the same highly acclaimed but unsuccessful systems over and over and over again. Every time I have remained mired in the mud of my bad habits, it looked like this: I sit around with a friend and write out all sorts of goals. I make plans and lists and charts and secretly consider buying myself little star stickers to stay…