Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
Some of you know, others are jealous, many wonder but yesterday, one person actually asked.
You are making a living sharing what you do day to day and you seem to love it. I can only wish to make money doing what I love. What’s the secret?
I was flattered by the question. It’s true that I love writing over here, and I’m very fortunate that what I love to do happens to put bread on the table (those are for show of course, I secretly eat steak instead since I’m a meat kind of guy). It’s great now, even though it hasn’t always been like this. [ continue reading… ]
Many of you wanted to know about the upcoming book, and I’m happy to announce that it’s almost here. Below, for the first time ever, is what the cover will look like.
About the Book:
The Little Budget Travel Book is all about saving money while having a blast traveling the world. I’m all about having fun though, so the book won’t be trying to tell you to skip this activity or not do something else. If absolute money saving tactics are your thing, this book is not for you because you already know what to do – just lock yourself at home.
If however, you’ve always wanted to actually be places without spending a fortune, I’ve got the perfect book for you.
For all you newsletter subscribers, I haven’t forgotten about the special offer I promised you about. In the coming days, you will get an inside look as I approve the final copy and get it published, as well as a sample chapter of the actual book.
Furthermore, there will be exclusive content related to the book in the near future that is just accessible by you.
Getting all this is actually quite simple. By taking advantage of the free 7-part “Be happy, Spend Less” course, you can really get the cake and eat it too.
Sign Up for Free Now
I want to get free access to the amazing 7-part course I keep hearing about.
Inside Look at the Book Publishing Process
Free Sneak Peak of The Little Budget Travel Book
Special Offer of the Actual Title
(Don’t worry about spam because I hate it as much as you do):
Emma and her coworkers were at Costco the other day and a discussion brought up an interesting question – what actually is a necessity?
The conversation came up when one of them decided to buy trash bags. “Trash bags”, Emma said. “Why do you pay for something like that?”
It turns out that her coworker always treated it as a necessity, while Emma and I have never bought these bags before (and never plan to). We’ve always just used the left over plastic bags from grocery shopping. [ continue reading… ]
More often than not, the times we cherish the most don’t involve dollars and cents. It isn’t an earth shattering discovery of course, but one that most people forget all the time. Instead, we try to buy our way into happiness. Oh that iPhone will do. That expensive glass of wine would really be nice too. Why can’t I afford it? I need to find a way to obtain it.
Focus on how to have a happier time, and you will. Focus on what you want to buy next, and who knows whether you will be happy or not.
Emma and I had a talk last night. A really long talk. I got to know her just a little bit more as we shared our daily lives of the past few weeks. We laughed and had fun, more fun than another other activity of recent memory. It wasn’t at a fancy restaurant, nor did we go on vacation. We just decided to sit by the pool in our apartment complex. The place was quiet and the chairs were comfortable.
No one really ever comes here. Maybe they forgot about it, or perhaps they are still working overtime to pay for last week’s night out at the bar.
This posts lists a bunch of the 0% balance transfer credit cards on the market today, and having the list in the first place was motivated by a reader who managed to pay off her debt with these 0% balance transfer offers. Below is her story along with the different choices out there on the market today, including a couple options with no balance transfer fees.
During the 0% balance transfer credit cards craze of recent years, many of my friends were calling me ignorant for not taking advantage of these balance transfer offers. The idea was simple in that all you needed to do was apply for a few credit cards offering 0% balance transfers, send the money to a high yield savings account and pocket the difference in interest.
The 0% balance transfer tactic worked well, with each card earning a couple hundred dollars before taxes with minimal effort. I never bothered, though. The tactic seemed weird. It just wasn’t me and subsequently, I never talked about it here.
Now that the credit card companies are offering these 0% balance transfer offers in full force again, a reader took the plunge and wrote me an email that really changed my perception of these 0% balance transfer cards.
David, you have to write about these 0% balance transfer credit cards. I used one and it helped pay off my debt a year ahead of schedule!
One of the great side benefit of not being a salesperson who is on the plane way too often is that I have more time to talk to my parents over the phone. Yesterday, a question came up that affects almost all of us who weren’t born into eventually inheriting Exxon Mobil – How to not worry about money?
Under all guidelines and measures, my finances are very solid. I’m debt free, I live below my means, my emergency fund is already setup and in some respects, my business is actually more stable than most people’s jobs. Furthermore, Emma’s salary more than covers for the family’s monthly expenses. Pretty fail proof it seems.
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