Everyone wants to save money. However, not everyone is committed enough to do it. Follow along to learn some strategies to execute your plan. Before You Formulate a Plan It’s difficult to find out where you should be, if you don’t know where you are and where you have been. Apart from financial reasons, sometimes [...]
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After a few weeks spent at the gym, on a strict diet, or not making those frivolous purchases, life can seem a bit rough. Choosing to live by your New Year’s resolutions is by no means easy, and generally requires you to ultimately make long-term life changes – some which aren’t always fun to transition [...]
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New year, new start. I’m sure I’m not the only one hoping that 2012 will bring a much-needed upswing in an economy that’s gloomier than Ebenezer Scrooge. Me, I’m still hoping that Santa will slip a winning lottery ticket in my stocking. But according to Fidelity Investment’s yearly poll on their consumers’ financial goals, one [...]
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Last month in my post Making Money Online: The Niche Website Project I shared my plan to create Niche Sites to generate extra income. Now I’m going to outline the first step in starting a Niche Site – Selecting a Profitable Niche. I think the most important factor in whether your niche website is a [...]
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It’s the beginning of a new year and for me that means…goal setting! Last year I set four goals and I’m pretty pleased that we killed it on three of them: We set aside 8 months living expenses in our Emergency Fund ( we were originally going for 9-12 months but finally agreed that 8 [...]
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I know many of you have resolved to create and live by a budget this year. That’s a great resolution and a pivotal step in taking control of your finances and achieving your financial goals. To help you out I’ve posted the budget spreadsheet that I use. It’s a simple zero-based budgeting worksheet that you [...]
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It was just one generation ago that couples and families lived comfortably on one income. And while the cost of living has increased, so too have wages. The reliance families have on two incomes can be wound back to allow you to not just survive, but live well on one salary. It is a good [...]
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Each month I provide an update on how we’re tracking toward our goals. I break it down between Net Worth and Goals for the year. Net Worth: I didn’t publish a report last month but we were up 6.1%. Woot! And this month we’re up another 4.4%. But the real story, what I really want [...]
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Last year we decided to get serious about our finances by building an emergency fund and tackling our debt. Ever since, I’ve been totally obsessed with getting out of debt. We set goals, revised those goals to be more aggressive and then revised them again to be even more aggressive. I set a budget based [...]
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In this month’s edition of Money Magazine they interviewed 100 dedicated savers to learn their stories and find out the tactics they employ to save 35-60% of their income. All of these couples and individuals are well on their way to a very comfortable early retirement. 1. They set goals, and they make them specific. [...]
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Hi, I’m Cathy! I’m a former career-driven professional turned stay-at-home mom. Living on one salary has its challenges, but it is possible to live the good life while spending less. Cool to be Frugal is all about how we’re thriving, not just surviving, on a single income.
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