Broken Doesn’t Mean Broken

Broken Doesn’t Mean Broken

Having been in the business of frugal for quite a while now, I think I take a few things for granted. There are habits that I've built over the years that I don't think twice about. Some are good, some are definitely bad (monetarily speaking). The bad ones I continue to work on month after month (food budget, miscellaneous expenses). The good ones seem to go on cruise control, but they are really they key to building a frugal lifestyle. One of those habits is looking at the world a little differently than most. Where others see broken, I see value. That Time With The Fridge I've told … [Read more...]

How To Incrementally Optimize Your Finances

How To Incrementally Optimize Your Finances

"Budgets are too restrictive" "I don't want to live like a hermit" "Budgets are not fun at all" "There's got to be a better way to save money" I get pretty fired up when talking about budgets. I mean, you can ask anyone who's ever asked me any financial question, I can go on and on and on and on and on about what an amazing tool budgets are for kicking financial booty! In fact, I inevitably point people to my budgeting basics series in almost every conversation and blog post (see, I did it again) because it is so foundational to how people should manage their money. I have also … [Read more...]

Jake, It’s Time To Fix Your Food Budget (With Emeals)

Jake, It’s Time To Fix Your Food Budget (With Emeals)

Today's post is a conversation between me and the little voice inside my head. Feel free to listen in. Voice: Jake…..JAKE….JAKE JAKE JAKE JAKE JAKE JAKE Me: Ok! What? Voice: Haha, just playin'. Me: Uh…ok, weird. Voice: Well, now that I have your attention, what the junk are you going to do about your food budget this year? Me: Whaddya mean? Voice: Dude…DUDE…..DUUUUUUUUDE! Me: Ok, seriously annoying.. Voice: Dude Me:   :-| Voice: Well, you spent like $300 a month eating out last year. The heck is that all about? Me: Oh yeah, that….well, my new job threw me all … [Read more...]

ZZZ Sleep Products Memory Foam Mattress Review (And Coupons!)

ZZZ Sleep Products Memory Foam Mattress Review (And Coupons!)

This is a product review of one of ZZZ Sleep Product's gel memory foam mattresses. They were kind enough to send me a mattress to try out, and I gave it a full 30 days to really put it to the test, and wanted to share my experiences with you. UPDATE! Wow, EPIC DEAL ALERT! ZZZ Sleep Products just emailed me with a coupon worth $140 OFF thru May 31st, 2015. Just use coupon code "JACOB140" at checkout on your non-gel, closeout model mattress at www.zzzsleepproducts.com/mattresses Sleep. Where have you gone? Since I was a kid I have been able to plunk down on any surface and conk out … [Read more...]

The Buy Nothing Project

The Buy Nothing Project

Stuff. We can’t seem to live without it. Over the decades, Americans have mastered the art of owning stuff. We even have stuff for our stuff. Heck, we even have stuff that stores the stuff for our stuff, all stuffed into a storage unit. It's ridiculous. Now, I'm not trying to bash the use of stuff. Stuff can be useful. It entertains, assists, satisfies our aesthetic needs and can even solve problems. Stuff is pretty great. But for some reason, we can't seem to find a good way to deal with it once it has outlived its usefulness. We either try to sell it, throw it away, or store it … [Read more...]

Republic Wireless Review: You Need To Run The Numbers

Republic Wireless Review: You Need To Run The Numbers

About a year ago, a Republic Wireless rep. reached out to me to see if I had ever heard of them. At first, I thought it was some sort of scheme for ads, so I ignored. But I eventually found my way over to their site, and realized that they had created something awesome, at a price point NO ONE could ignore. The Little Guy With A Big Idea They kindly sent me a demo phone with which to try out, which I didn't like much. It was old Android, and I owned a newer Windows Phone (don't hate) from work. But I tried out the phone for what is was good at, and it performed well. They used your home WiFi … [Read more...]

How To Not Worry About Money Ever Again (And It’s Not What You Think!)

How To Not Worry About Money Ever Again (And It’s Not What You Think!)

Hi, I'm Jacob Wade. You may have seen in features such as "budget and love it" and "who said frugal didn't know how to partay?!" I'm here today to tell you about a revolutionary new way to think about YOUR money. It's an amazing tool that will allow you, the average citizen, to turn into a FINANCIAL SUPERHERO (cape sold separately). Come and learn how to not worry about money for the rest of your life! Do You Lose Sleep At Night? Do money troubles cause you to lose sleep? Are you irritable and annoyed when talking about money? Do you have a pile of unpaid bills mocking you every time you … [Read more...]

You Are Being Boiled Alive

You Are Being Boiled Alive

I am never one to place financial blame on the government, or corporations, or anyone else for your financial problems. Those problems are yours, and you have MUCH more control over them than society thinks. But the majority of people I help through my financial coaching just don't see the impact of all the small expenses in their budget. I always try to show them the long term impact of these things, and many people are shocked at how a few simple items could delay their retirement a few years! Yes, the latte factor is in full effect, but this time it's not lattes killing the … [Read more...]

How To Save Money: Use Priceblink

How To Save Money: Use Priceblink

Ok, here's the deal. Most, if not all, of you shop online. Let's face it. It's convenient (no getting off my butt to buy stuff) and usually cheaper (no storefront = less overhead costs = savings to you) and can be downright frustrating! Where do I find the best deal? How much is shipping? Does this product even have good reviews? These questions run through your head every time it's time to make a purchase online. And they should. Finding the best deal on ANYTHING takes some research and thought to make sure you are getting the best product for the best price. But today I want to talk … [Read more...]

It’s Time To Cut The Cable and Home Phone

It’s Time To Cut The Cable and Home Phone

Since it's a new year, I figure I would post this up. It's the first thing you should do to save your money and your sanity in 2014. If you still have cable, please read this. And then let me know why. :) Today, I've got a special offer for all the wonderful readers of iHeartBudgets. I am going to give away a 4 day cruise to the Bahamas to everyone who reads this post! You read that right, 4 days of all-inclusive fun in the tropic sun, visiting places like Jamaica and Nassau. Swim with the dolphins, eat like a king and let your worries melt away. All you need to do is cut the cable and home … [Read more...]