Freelancing: Should You Hire Employees?

thebossIt has become part of the standard narrative of the successful freelancer: “Humble freelancer starts from the bottom, performs well, develops more business than she can handle, hires other go-getters to meet swelling demand, BOOM – Job Creator, More money, Adulation!” The fact is, while this is the best-case scenario for many people looking into the freelancer’s world, hiring others may not be the best possible use of your time and money. [Read more...]

Club Thrifty October Budget Breakdown and Blog Updates


I just realized something- I completely forgot to spell out my budget details last month.  I know, I know….I totally dropped the ball.  But I’m going to make up for it somehow!  Pinky swear.

Fortunately, last month was pretty boring when it came to budgeting and spending.  I mostly just paid the mortgage and bought groceries, and paid for a bunch of other boring Midwestern housewife stuff.  The only expense that was out of the ordinary was the $400 I spent at FinCon.  And, as I told you last week, that was totally worth it! [Read more...]

Why We’re Opting Out of Obamacare

obamacare premiumsBy now, everyone knows that the President’s claim that “if you like your plan, you can keep your plan” was a stretch of the imagination, if not a flat-out lie.  Millions of people who bought their policies on the open market found out the hard way that we would not, in fact, be able to keep our plans late last summer. [Read more...]

4 Budgeting Mistakes (and How to Avoid Them)

budgetAh, budgeting. Like it or not, budgeting is the backbone of sucessful personal finance and the heart and soul of good financial health.

Many of us who have finally found the path to financial health and independence now realize just how important budgeting is. However, obtaining this knowledge is rarely easy. Our stint with budgeting began in 2011 after we started tracking our spending and realized that we were wasting more than $1,000 per month on food.  Oink, oink.  Who knows how many thousands of dollars we let fly out the window before we actually realized the error of our ways and – more importantly – how to correct them. [Read more...]

Cash Money: $9,438 in September Income…and a Business Card Giveaway

Winner for "Best Frugality Blog"

Winner for “Best Frugality Blog”

Good morning friends, haters, and frenemies.  Welcome to my monthly income report- please try to contain yourself.

It’s been another great month in the world of web-based freelance writing.  As I reported a few months ago, I lost one fairly lucrative job and instantly went on the hunt for something to replace it.  Well, apparently I replaced it and then some…because my earnings skyrocketed last month! [Read more...]

Here’s Why You’re Broke: You’re Picky

kens frenchWe all have a favorite type of salad dressing, right? For me, it’s Ken’s Honey French.  There’s just something about its flavor and texture that I haven’t found with other brands.  Hell, I’d take a bath in it if Greg would let me, and I dip everything in it- even French fries!

With that being said, I will not buy it if it’s not on sale- the full retail price is $3.99!  So I have a few options- a) I can stock up on Ken’s Honey French when it’s on sale, or b) I can buy a different French dressing when it’s not.

I usually go with option A. [Read more...]