Bankrupt
The year was 2008. I was sitting in front of a credit committee who laid all my poor financial sins in front of me. A small credit union in Waterford, MI to whom I owed $3000 w
Beans and Rice
Beans and rice can be boring. Dave Ramsey talks about eating beans and rice when getting out of debt. However, this really doesn’t address the problem. Did you ever go to churc
Capsule Wardrobe
Does anyone else struggle with minimalism? Two weeks ago I went down to a capsule wardrobe. That included six short sleeve polo, six long sleeve polo, three pairs of dress pants,
Car Broke
So your car has broke down many times and the cost to fix it is more than the vehicle is worth. Time to go to the new car dealership and buy a new car with six to seven years of
Car Inspection
One way we live frugally is by driving used cars. It’s important when buying a used car to know how inspect it. A used car that is 3-4 years old is a great way to reduce ex
Food Bill
I found we were spending about $1,200 a month on food. We were eating out two to three times as week. To pay off debt, this had to change. Here are a few things we did to red
GE
Tonight I looked at my refrigerator and stove. The General Electric symbol displays proudly. I wondered why the the General Electric label stood out to me. I am not opposed to
Get Together
Tonight we had the new neighbors over for dinner. I cooked some ribs, and they brought a wonderful pasta salad. We shared stories and got to know them. Good times. This h
Lifestyle Inflation
One of the the most useful concepts on our way to financial independence (FI) was to prevent lifestyle inflation. One way we did this was by NOT spending any pay increases, bonuses
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