Good morning, everyone! Today, I’m swapping blogs with John from Frugal Rules. He’s sharing his thoughts on financial independence, and you can find my guest post on learning languages frugally over on his site. WHAT DOES FINANCIAL INDEPENDENCE MEAN TO YOU? We live in a world that pushes the idea that happiness comes from having […]

No one ever said they can’t wait to wake up at the crack of dawn to go to a job they don’t like with no clear plan to escape the grind. Everyone dreams of the day when they no longer have to rely on their job to support themselves and achieve financial independence. But the […]

Over the past five years, I’ve learned a crucial lesson about money: financial success doesn’t just happen—you have to plan for it. Just like living within your means and saving for the future, setting clear financial goals is essential. No one cares about your financial goals as much as you do. The average American spends […]

This week started off on a high note with the arrival of electricity. The electrician had been hard at work fixing the wiring both inside the house and from the meter to the house. It seems most of the wiring had been stolen, either by thieves or possibly because the previous owner stopped paying his […]

Good morning! Let’s talk about some practical ways to bring in extra income, especially in today’s economy where every bit helps. You might need to get a little creative though, as competition is fierce in every industry. Put in some effort, learn the ropes, and network, and you’ll likely see some rewarding results. Any extra […]

Happy New Year! I hope 2013 brings you happiness, joy, health, friendships, and of course, smart money decisions. To help you start the year on the right financial foot, I’m introducing a mini boot camp to get your finances in order, along with co-hosting a $100 cash giveaway to kickstart your money resolutions! We all […]

In a recent post, I shared a simple method to calculate your debt’s weighted average interest rate. For example, if you owe $1000 at an interest rate of 6% and another debt of $2000 at 0%, your total debt is $3000 at an average rate of 2%. This rate is crucial because it represents the […]

It’s been over three months since we started, and two full months since the construction work began on our new room. Now, the new room is almost finished. It looks a bit like a cave, which is kind of cool, and it’s designed to keep out most of the heat through its single, slightly polarized […]