saving tips

Can You Really Reduce Your Discretionary Spending Just By Installing an App?

10.22.2014
Can You Really Reduce Your Discretionary Spending Just By Installing an App?

If you’re reading Retire By 40 and other personal finance sites, then you’re probably looking for ways to improve your financial situation. The answer is really simple. Spend less Increase your income Invest for the long term However, the execution is another story. All these 3 things are hard to do and that’s why we scour personal finance blogs for inspiration. Well, today is your lucky day. I just read a UCLA study that shows how easy it is to reduce your discretionary spending by 15%. Actually, they looked at people who had installed the Personal Capital mobile app, and […]

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Can We Eat Organic On a Frugal Budget?

01.17.2014
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. According to a study by Consumers’ Checkbook, Winco’s prices are about 20% lower than Safeway and other big chains. We have been shopping at Winco for years and it’s a great place for groceries, but they have very few organic selections. On the other hand, […]

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How to Save More Money Next Year

12.30.2013
How to Save More Money Next Year

It’s going to be a New Year in a couple of days and I hope you’re enjoying the last of 2013. Now is the time to make a few New Year’s resolutions and write them down. Two of the most common resolutions are to get fitter and to save more money. These two are on my list, too, and today is your lucky day because I will share a surefire way to save more money next year. You’re on your own for the fitness resolution. I will be struggling with that one, too. A couple of weeks ago, I came […]

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13 ways to save more money in 2013

01.11.2013
13 ways to save more money in 2013

It’s almost two weeks into 2013 and it sure is starting to look like the old year. Many of us made a resolution to save more money in 2013, but do we have a plan to do it? To help you start the new year right, here are some ways to save more in 2013. 13 ways to save more money 1) I’ll start off with the most difficult one: Keep track of all your expenses. You will be surprised at how much you spent on stuff that didn’t add much your life. Once you see how much money is […]

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