Retail Masturbating My Way To Financial Responsibility

A few weeks ago, I began to yen for a new jacket. A quilted one to be exact. It was going to “MAKE” my winter wardrobe. I had just buckled and added a pair of those duck boots to my wardrobe, and this was the next essential item… So, as you can see, I was already tripping down the slippery slope to a retail orgy when I stumbled on fashionista catnip. The blog Classy Girls Wear Pearls exemplifies everything I want to look like. A modern day Jackie O, who…

The Struggle Within: No Present for Me??!

Humor me as I struggle with my personal demon that is telling me that a little shopping can’t hurt. I have previously written about forsaking any physical gifts from Mr. G in lieu of a lump sum amount that I donated to charity. Ta dah! Two birds with one stone. But, as I draw closer to birthday/anniversary/Christmas 2016, I’m beginning to wonder if I should treat myself with a Season’s gift. On One Hand My mom always told me not to wait for someone else to make my day special.…

Getting Back on After Falling Off the No Spend November Wagon

So almost exactly half-way through the month, we fell off the No Spend November Wagon. Womp Womp. I can’t feel too bad about it though because it was a Baby G kind of expense. Days are getting colder, and it will soon get wetter. It was time for Baby G to get a pair of new winter boots. We tried to do this responsibly by visiting the local Stride Rite store to have her feet measured and eyeball the merchandise on sale. But no cigar. There were no boots on…

No Spend November With the Grasshoppers

No Spend November sounded like an awesome idea until I realized the spending freeze would coincide with my birthday and Thanksgiving. Well poop! On the other hand, go big or go home, right? Also, the Grasshoppers are planning a winter road trip to visit family, and this month-long spending freeze will make us feel better about any money we spend during that trip. For all of my readers who are scrambling to get a foothold on the concept of No Spend November: It is a whole month where you avoid spending any of…

Know the Cost of Everything and Everyone You Add to Your Box Of Life

I have often thought of life as a box…No, not a box of chocolates (thanks Forest Gump), but an empty box we are all given at birth that we fill with the stuff of life. It’s the wisdom of how we pick and choose those additions that determines how heavy the box is, and how far we can walk with it. My box, for example, contains an education, a job, education loans, some family members, Mr. Grasshopper, Baby G, a few friends, a house (with a mortgage), a car (fully paid…

Save Money By Being A Producer Instead of A Consumer

Faced with some spare time, I’ve realized it is so much easier to consume vs. produce. And consumption often spends your resources much more quickly than production. Things have been quiet at work for the last couple of weeks. This makes me very twitchy (I like to be busy), and leaves me with hours that I need to occupy. After accomplishing the obvious chores around the house, I was still stumped. So, I created a mental list of the things I could do with my time. Exercise: Go for a walk…

How Millennials Can Embrace their Inner Grasshopper, Be the Ant, and Retire Early

A well-known fable tells the story of a hard-working Ant, and the flighty Grasshopper. While the Ant saves her food throughout the Summer, the Grasshopper sings the summer away. The Ant cautions the Grasshopper to stop singing, and start working. The Grasshopper does not listen. Come Winter, the Ant is warm and fed in her house, while the Grasshopper starves. It is, of course, a morality tale cautioning young people against wasting their youth in frivolous pursuits when they should be saving for the Winter of old-age. But I reject the notion…

Five Ways To Enjoy the Long Slog to Financial Independence

Saving towards achieving early Financial Independence reminds me of my pregnancy. When the “big day” was nine months away, I didn’t think about it. But, by month seven and a half I was a bundle of anxieties, and excitement. Simultaneously, time suddenly began to move veeery slooooowly. I had to learn to enjoy the smaller milestones so that the time warp wouldn’t overwhelm me. This new Journey to Financial Independence requires similar mind tricks. Plugging along with life seemed like no big deal when I assumed I would retire at a ripe old age.…