Step By Step Guide To Your Holiday Shopping

Step By Step Guide To Your Holiday Shopping

They hype. The hysteria. The holidays. Yes. We're right in the thick of it. 'Tis the season to hook a drain tube up to your wallet and watch your cash flow disappear faster than a Kardashian marriage. But, it's ok, because it's all in the name of "SAVING MONEY" People Love To Save Money One Day A Year In the day and age of "ONE DAY DEALS", there's more hype than ever over saving a TON of money buying your loved ones the "perfect gift." Just Google the term "Black Friday deals" and you'll be hit with a barrage of news articles, store websites with dedicated shopping sections, and … [Read more...]

My Road To Financial Wellness and Resources That Helped Me Along The Way

My Road To Financial Wellness and Resources That Helped Me Along The Way

The following blog post is part of the The Road to Financial Wellness Blog Tour. Over a period of 30 days, the Phroogal team will go to 30 locations to raise awareness about financial empowerment. Today they will be in Seattle! Our goal is to help people learn about money by starting the conversation. We understand that local conversations can help bring about national awareness. My man Jason over at Phroogal is doing something amazing. Wait, no, more than amazing, it's ABSOLUTELY FANTASTIC! He's traveling around the country on the open road, covering over 10,000 miles to meet in local … [Read more...]

Go Ahead, You Deserve It

Go Ahead, You Deserve It

They say that money is far more about what happens in-between your ears than what happens inside your wallet. The psychology of personal finance is VERY fascinating, and probably the most important part of getting a handle on your money. There are tons of different psychological traps we can fall in to that cause us to veer off course with our financial plan and make dumb money decisions. Today, I want to dive into the psychology of one of the biggest reasons for the mis-handling of your precious dollars, and what we can do to combat this financial temptation. The Trap Getting on a budget … [Read more...]

10 Things People Waste Money On

10 Things People Waste Money On

My ol' pal (not really) Dave Ramsey had a post recently about stuff people waste money on. Then Free Money Finance put together his take, and then my buddy (really) J. Money over at Budgets Are Sexy went through the list as well. And since we all have different stances on these things, I figure I'd go through the list as well. But I'm also going talk about our personal BIGGEST MONEY WASTERS in our budget and talk about what we're doing to fix it. Ready?! 10 Things People Waste Money On Credit card interest Now this one really sucks. Credit card interest is paid when you … [Read more...]

The #1 Financial Rule Everyone Should Follow, But Nobody Does

The #1 Financial Rule Everyone Should Follow, But Nobody Does

As an adult, there are a few things in life (let's be honest, a LOT of things) that I look back on and think "wow, you were kind of a moron. How in the world are you still alive?" From the words I said to my everyday actions, my arrogant teenage years and early 20's were filled with short-sightedness and a seemingly lack of common sense. I seemed to float along, pretending to know about everything, but was somehow clueless that blowing through $100k was a bad idea…? I also made a habit out of ignoring good advice, and would retort with things like "just let me live", which actually means … [Read more...]

How To Be A Frugal Friend

How To Be A Frugal Friend

Today's post is by the always lovely, WIFE (not pictured above)! She also has a name. It is Michelle. Give her a round of applause, then take your seats and read her appeal to everyone out there who has friends. For those that don't....I'm sorry. I feel you. I don't have any either. :( When was the list time you hung out with friends? What did you do? Was it fun? I love hanging out with close friends, enjoying each other's company, chattin' up a storm and celebrating life together. It was actually one of the driving factors when we were buying a home, so we knew we needed a big backyard and a … [Read more...]

Oh Crap! You Missed All The Sales!

Oh Crap! You Missed All The Sales!

Black Friday has come and gone. Cyber Monday is a thing of the past. Let's face it; You're screwed. Your lazy butt missed out on all the "best sales of the year." Crap. But did you really miss out? The Hysteria Of Black Friday Sales Let's examine everyone's favorite shopping hell, Black Friday. I've referred to it in the past as the saddest day of the year, and I still hold that view. Everyone skips Thanksgiving dinner and time with their family to hang out with a group of crazed shoppers who are foaming at the mouth to get a deal on a crappy laptop. Then they get all cray-cray and … [Read more...]

Reader Question: I Rock At Saving Money, But What Now?

Reader Question: I Rock At Saving Money, But What Now?

One of the best thing about this blog is the chance to help ACTUAL READERS with ACTUAL PROBLEMS instead of just hypothesizing about financial matters. Today's reader sent me a question, and after reading it a few times, I was in complete awe of how awesome she is! I wanted to share her situation with you, not only to show that millennial are lazy, entitled jerks, but also to inspire those who may be starting college, or just out and are trying to get their bearings in life, including what to do with their money. Plus, I want YOUR input on this question! I have some suggestions, but I'd like … [Read more...]