My wife used to compliment me whenever I communicated in Mandarin. She doesn’t anymore.
Not that there’s anything wrong with that though, because I couldn’t speak it back then and I could now carry a decent conversion using the language. In a short few years, she got used to hearing me speak in Mandarin [...]
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The reward points, the 30 day free loan, and the perks are just excuses to keep that piece of plastic. No matter how much control you have, credit cards are a convenience that you pay for.
I used to think that credit cards are disastrous for the irresponsible but benefit the disciplined. I saw [...]
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Do you secretly wish that your TV would break so you can get a brand new one?
Or that your shoes would rip or your hat stolen? These are evil thoughts and may make no sense to the logical person, but they are real, they play a part in our lives, and they affect our [...]
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My children are the best and nothing else suffice. I love them and will do anything to give them what they deserve.
By now, you’ve read so many articles about spending control that you can probably write your own book on the subject. Appreciate the big picture, delay gratification, 30 day rules, and the [...]
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“Sometimes, you just have no choice but to bite the bullet. Or at least, the stars are lined up to give you that illusion.
Whether it’s at the airport or coffee shop, I have no problem paying for internet services. It’s a bit pricey alright, but the convenience they provide should be worth something. [...]
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Returning to familiar territory after a period of absence can bring back a flood of memories. Some are good, others might be bad but these mental pictures almost always generate a new perspective to the whole situation.
For many that were successful in getting out of debt, the struggles and the stress of paying high [...]
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As a frugalist, I naturally know many people who share the same values. Some practice the art by choice, and others by necessity. Some love being frugal, while others wished life were different. In every category though, there seems to be a select few who would resent the rich. The other [...]
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We often equate frugality with trade offs. Trading our time to save money, trading for alternatives, and trading instant satisfaction for future gratification. No wonder frugal living seems so tough.
You may wonder how great you life would be if you never had to make any financial sacrifices, but let’s imagine for a minute [...]
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Supply and demand is an economic principle that we know all too well. When demand goes up, prices tend to follow. When supply is high, expect discounts.
Thanks to supply and demand, we might be moving to a bigger apartment. Let me explain…
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For years, I tried to stretch my money to its maximum potential. Moving money across different online savings accounts for better rates, taking money out of my checking account as soon as it’s there, paying bills on the last possible day to get more interest,…, the list goes on. Basically, whatever you can [...]
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As someone who writes and talks about frugal living all day, I must admit that I’m a sucker when it comes to spending. I not only overreact whenever I need to make a purchase, I probably ask way too many questions about the price of any item too. Why pay $50 when I [...]
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Health insurance is not an item most of us add to our “find the cheapest available” list. The common scenario is like this: Get hired, receive a sheet with several health plans, ask around, pick one with very limited knowledge about the options and then just forget about it.
In fact, it’s easy to forget [...]
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I don’t know why it is, but it seems like almost every marriage comes with a spender and a saver. I have seen rare exceptions where both are unleashed spenders – which often turns out to be quite disastrous, and even rarer still I have seen marriages with two savers. But for the most part, [...]
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People who know me sometimes wonder why I’m so frugal. They question why I don’t seem to eat out. They can’t understand why I rather watch a movie at home than go to the movie theaters and they certainly don’t feel that I’m actually enjoying life. They, like most people, are simply [...]
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