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Why Families Should Live on One Paycheck
Wow, a lot has changed in 5 years since I wrote this post. In 2011, I was very unhappy with my job and I needed to make a drastic change. We saved as much as we could and cut back our spending to...
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How Cheap Am I Really?
Let’s have a little fun today. That last post about keeping track of your Roth IRA contributions was very important, but a little dry. Today, I’m going tell you about a few stressful money situations I...
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How We Keep Our Food Expenses Low
Many people have asked, “How do you keep your food expenses so low?” That’s easy; we cook and eat most of our meals at home. We enjoy eating out, too, but we usually go out just a few times per month....
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How to Avoid Overspending this Holiday Season
The holiday season is a source of stress for many of us. Did you know the rate of deadly heart attacks increase during the holidays? That’s strange, but I guess it’s understandable. Spending time with...
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What Legacy Are You Leaving to Your Children?
Are you planning to leave a legacy to your children? I haven’t thought of it that much because this is a deeply unpleasant subject. It ranks up there with long term care and life insurance. Nobody...
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Why I Still Don’t Buy Overpriced Coffee
It’s been a long while since I wrote about coffee so here is an update. In 2012, I was a financially independent millionaire and I refused to buy overpriced coffee. I didn’t need to because my old...
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Should You Focus on Making More or Spending Less?
What’s the secret to wealth? It really isn’t much of a secret. You just need to save and invest as much as you can. Your investment will compound and your net worth will grow over the long haul. Last...
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Can You Become A Millionaire?
Recently, I saw a question on Twitter – Can anyone become a millionaire? My gut instinct said yes. I was sure anyone can become a millionaire if they just save and invest consistently. Inflation alone...
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How to save on the heating bill AND stay warm – build a Kotatsu table!
Brr… Winter is here. The overnight temperature plunged into the 30s a few times last week. This seems a bit early to me. Usually, it doesn’t get this cold in Portland until December. The weather is...
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Is Saving Money Easier for Some People?
Is saving money difficult for you? The average American family doesn’t save much. The US personal saving rate was 6.2% in September 2018. That’s not too bad by historical standards, but at this saving...
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How to save on the heating bill AND stay warm – build a Kotatsu table!
Brr… Winter is here. The overnight temperature plunged into the 30s a few times last week. This seems a bit early to me. Usually, it doesn’t get this cold in Portland until December. The weather is...
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10 Reasons Why I Prefer a Cheap Car
Recently, I heard on the radio that auto loans are at an all-time high in the US, over $1.2 trillion. The average price of a new car is also very high at $37,500, according to Kelley Blue Book. Whoa,...
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What Should You Do With A Windfall?
Why is it so difficult to control your urge to spend when you get a windfall? I think it’s because a windfall is like found money. It isn’t a paycheck where you have work hard to get. It feels like...
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Is Justifiable Spending Just An Excuse?
Do you ever feel guilty spending money unnecessarily? I used to be super cheap when it comes to entertainment spending, but I’m loosening up as I get older. I’m not sure if this is a good or bad...
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Why Families Should Live on One Paycheck
A lot has changed since I wrote this post. Back in 2011, I was very dissatisfied with my job and engineering career path. I needed to make a drastic change or I’d have a heart attack! Now, I’m a...
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8 Tips to Live Within Your Means
The first step to financial independence is to live within your means. It’s simple. You have to spend less than you make so you can save and invest the difference. I followed this directive as soon as...
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Grading All My 2019 Amazon Purchases
Happy New Year! I hope you’re not working too hard this week. Why not take it easy and start the new decade off on the right foot next week? Relax and goof off a bit this week. Lots of people are on...
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Would You Rather Get Paid More Often?
How often do you get paid? Mrs. RB40 still works in a regular job and gets a paycheck every two weeks. When I was an engineer, I got paid twice per month. As a blogger, most partners pay me once per...
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What Should We Teach Kids About Money?
Are you teaching your kids about money? Mastery over personal finance is necessary for a secure future. Money isn’t everything, but life is way easier if your finance is under control. Unfortunately,...
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Why I Love Tracking Our Expenses
I hope I don’t lose too many readers from the title alone. The reality is – everyone hates budgeting. It is tedious, takes a lot of time, and requires constant self-control. However, it doesn’t have to...
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