minimalist lifestyle
You’ve certainly heard about minimalism before, as it seems like a fad that comes and goes. The economy is strong, so fewer people are talking about it. If we enter a recession though, you can bet that the numerous stories and articles about minimalism all over the internet will surface again.

Of course, there are benefits to living on less no matter where in the economic cycle we are in, but practicing the art form is certainly easier said than done. With all the gadgets and gizmos that we have that make our lives so much easier, it’s almost impossible to give them up. Is there any real point to minimalism? There certainly is, especially when it comes to your finances.

There are many minimalists who go to the extreme by getting rid of almost all of their possessions. You don’t have to do that (unless you want to!) but there are certainly things you can do to have a healthier relationship with ‘stuff’. And as you learn to live with less, you’ll also save a lot in the process too. So if you’re ready to give this minimalist thing a try, here are four tips to help you get started:
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Navigating investments, retirement, taxes, or estate planning on your own can be overwhelming, which is why many people choose to hire a financial advisor. An experienced financial advisor can be an ally in maximizing your current assets and reaching future goals.

But before you entrust your personal finances to one, it’s important to do your homework. If you’re in the process of considering a financial advisor, start by asking the following questions.

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email phishing scam
I’ve written about how to avoid falling for a phishing scam, but it turns out I need to pay closer attention to my own advice. I’m placing partial blame on being half awake and not yet caffeinated, but a few weeks ago I opened and almost responded to what I later discovered to be an email phishing scam.

Here’s the embarrassing, yet eye-opening story and what I’ve taken away from it.

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frugal friend

When you’re on a budget or paying off debt, there are certain sacrifices you likely have to make. For me personally this means going out to eat less and being mindful of my spending when I’m with others.

When you’re with your friends it’s easy to spend more, because you want to be agreeable and go with the flow, or maybe even be generous — even if you can’t afford it.

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how to use leftovers

While some people have an aversion to leftovers, my mom dubbed me “The Human Garbage Disposal” because having too much leftover food was never a problem while I was in the house. To this day, I often have leftovers for breakfast and lunch, which not only saves us money but also saves me time and effort during my busy days.

However, not everyone is keen on eating the same meal several times in a row. The good news is that some of the tastiest dishes are based on leftovers. Here are a few tips to help you make the most of your leftovers:

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guilty with money

I noticed the way I spend money changed. Not only am I spending less, but I feel pressured to not spend even for necessities. In short, I think I changed myself from frugal to cheap.

A few weeks ago, I asked everyone whether I should celebrate on my big career accomplishment and splurge. I ended up not spending a dime. In a way, this is good since I didn’t waste my money on something I might regret later, but some might say that I have almost gone mad with saving money.

guilt and moneyThe argument is that I should reward myself for making such a big accomplishment with SOMETHING… ANYTHING. I agree with this somewhat, but when I think of all the things that I want, I just couldn’t get myself to purchasing any of it even though I can comfortably afford the bill.

When I shop, I don’t look at the features or how it might be useful for me. The most important deciding factor of purchasing something has become the hit it will have on my bottom line.

“I want to retire early” I think to myself.

“But if I end up retiring early and do nothing at home every single day, would I be happy?” I know I will just drive myself crazy if my day was too relaxing (maybe that is a problem in and of itself).

I feel sad about this sometimes. Isn’t the idea of saving money so we have some to spend?

During the weekends, all I can think of is how much activity A is and how much activity B will cost. This is totally unhealthy but how do I get out of this? How did I get into this?

This seems to be a problem many people face, or have to deal with: How do we balance the current and future since they both compete for the same pile of wealth? Do you have a systematic approach to this or do you just go by feel?