If we saved NOTHING

Over the last few years, I’ve been focusing heavily on our financial future and what we could have when we retire. I recently calculated all of the responsible dollars that we spend every year (roughly $67,650 or $5,637.50 each month). With all of our future planning, I never thought about what “now” we are giving up for $3.6M in … Read More

How Many Responsible Dollars do you Spend?

In our goal to improve how much money we are saving and investing, I became interested in how much of our discretionary income was being spent wisely. In case you don’t know, discretionary income is the money that is left over after you pay taxes and living expenses. I decided to call the wise money that we spend, “Responsible Dollars”.… Read More

The 10 Money Saving Commandments

10 Commandments, FI, Financial Independence, Saving Money

The following 10 “Commandments” are 10 important lessons and strategies that have helped us achieve some success over the last 2 years. In that time, we have seen our net worth grow over $100,000 in just 19 months (check out our most recent net worth update here). I believe that following these 10 rules (in no particular order) can … Read More

Five Money Challenges to Try This Lent

If you’re looking for a money saving challenge for Lent (or just to challenge yourself) look no further! Here are 5 ideas to push yourself to be a little more frugal and pad your wallet:

Challenge #1 – Save $250 over 6 Weeks

This challenge should be pretty familiar to many. It’s a simple savings challenge to put away a … Read More