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Best of Frugal

8 Tips to Help You Live Within Your Means

{ 56 comments } 8 Tips to Help You Live Within Your Means

The first step to financial independence is to live within your means. To me, that automatically means living frugally, but that’s just how I think. My family struggled financially when I was growing up so I default to saving first. When I first started working, I lived modestly and saved what I could. I lived […] Read More

Why our monthly bills seem so low…

{ 60 comments } Why our monthly bills seem so low…

I just published our March cash flow report and many comments asked me to expand it a bit more. Why are our monthly bills so low? I’ll try to explain it today. We spent $364 (+ $40) on groceries last month. Is this low for 2 adults and a small child? This is quite a […] Read More

{ 35 comments } republic wireless moto x review

Last year, I finally upgraded from my old dumb phone to a smart phone from Republic Wireless. They sent me the Motorola Defy XT to review and I have been using it ever since. The Defy XT was a huge upgrade from my old phone because I now can check emails and check on my […] Read More

Can We Eat Organic On a Frugal Budget?

{ 62 comments } Can We Eat Organic On a Frugal Budget?

We are a bit late to the organic party, but I guess late is better than never. This year we plan to eat more organic food and it will be challenging on a frugal budget. We usually shop at Winco. They are a privately held, majority employee owned discount grocery chain on the west coast. […] Read More

Some Lifestyle Inflation is Inevitable

{ 55 comments } Some Lifestyle Inflation is Inevitable

I truly believe the most important factor of early retirement is the ability to save a large percentage of your income early on. To do this, we need to keep lifestyle inflation down to a minimum. Just think back to when you first graduated from college. You didn’t need to spend a lot of money […] Read More

Who pays for dinner when the guys go out?

{ 62 comments } who pay for dinner when friends go out?

I’m on vacation visiting my brothers this week, so this is just going to be a short fun article today.   It gives me a chance to reminisce for just a moment.  When I was single, I always paid when I went out on dates. If the girl wants to split the bill, I usually just […] Read More

7 Compelling Reasons to Use Cash Instead of Credit

{ 59 comments } 7 Compelling Reasons to Use Cash Instead of Credit

It’s been a couple of years since I wrote about our use of cash allowances so I thought I’d go over it again now that we have a lot more readers. I agree that sometimes, credit cards are great. They are very convenient and provide many benefits such as purchase protection and cash/point rewards. If […] Read More

{ 38 comments } Cheap Unlimited Smart Phone Plan = $19/month at Republic Wireless

*Update* Republic Wireless has a much nicer phone now. Read my Republic Wireless' Moto X review.   I must have been one of the last bloggers who have been holding out on getting a smart phone. I'm a cheap guy at heart and I would hate to pay $60+/month for the privilege of checking emails on the […] Read More

My secrets to spending $0 on entertainment last month

{ 40 comments } My secrets to spending $0 on entertainment last month

Last week, I published our July monthly cash flow statement and a few readers have one big question. How are you able to keep your entertainment spending at $0? Well, it’s a combination of things and you might not approve of some of them, but here goes. First off, we are really lucky because we […] Read More

Can you retire with a million dollars?

{ 79 comments } Can you retire with a million dollars?

A few weeks ago, I was invited to join a panel on this topic – Can you retire with a million dollars? I was on vacation at the time so I couldn't attend, but my answer is a big YES. Of course you will have a perfectly fine retirement with a million dollars. In March […] Read More