The Downside of Self-Employment

tax slaveAs many of you know, I quit my job early last year to pursue blogging and writing full-time.  And, for the most part, it’s been awesome.  After all, I am no longer a slave to the daily grind.  I don’t have to roll out of bed and put on full makeup and a monkey suit to make a living, and I hardly ever have to rush around.  I’m also able to get household chores done during the day, which has been a godsend for our family.  Another bonus: Since I quit working at around 4:00 p.m., I’m usually able to pull together a cheap and healthy homemade meal.  This not only saves us a ton of cash, but is much healthier for us as well. [Read more...]

Frugal Beauty Tips

makeupPeople are always asking me, “How do you always look so amazing?”  I usually tell them that it is part luck, part genetics, and part my amazing set of secret beauty skills.  No, just kidding.  Nobody ever asks me that.  *As If*  I have two small kids and am regularly sporting pajama pants and a bun on my head.  Still, I do try to look the best I can.  Fortunately, looking good doesn’t have to cost that much if you are creative.  The following beauty tips will help you look your best (on a budget). [Read more...]

How I Feed My Family of 4 on $500 Per Month

foodOnce, in a far off land, Greg and I seriously struggled to keep our food budget under control.  Well, come to think of it, the main reason we struggled is because we didn’t even have a food budget.  Yep, it’s true! In fact, once we had a reality check and started tracking our spending, we realized that we were easily spending over $1,000 on food for two people and an infant.  Eeeeekkkkk!  Anyways, we’ve since wised up and changed our ways.  These days, we budget around $500 for food for the month for our family of four and we manage to stay within our budget most of the time.  Anyway, I recently got this email from one of my amazing readers: [Read more...]

Using Vanilla Reloads for Credit Card Rewards

what not to doAs many of you know, we’re always on the lookout for ways to pursue credit card rewards.  And so far this year, things have gone well.  We’ve signed up for three Southwest Rapid Rewards cards and a Citi AAdvantage MasterCard so far and have hit the minimum spending requirements easily due to our recent home remodel.  But I had a problem, a first world problem.  I really wanted to earn the Southwest Rapid Rewards Companion pass, but I couldn’t come up with a very good strategy for doing so.  Let me explain. [Read more...]

My Frugal Bathroom Cabinet Remodel


The people who sold us this house left these wall hangings behind. I liked them so I just hung them back up after we painted. Lame or awesome?

In January of this year, we bought what I assume will be our forever home.  But the house isn’t perfect, so we’ve spent the last month or so doing all kinds of things to make it nicer.  For instance, we had all of the old ratty carpet replaced with new.  We put tile flooring into the office.  We got new countertops in our kitchen, and subsequently had to put in a new tile backsplash to hide the wall damage we did when we took out the old cracked, countertops.  We also painted the entire house….which made such a huge difference. [Read more...]

Why a Four Hour Workday Is Better Than Early Retirement

retirementSince I have the flu and feel like I might die, please enjoy this post from personal finance blogger Harry Campbell.  Harry started blogging about personal finance on his main site Your PF Pro a few years ago and enjoyed it so much that he started a second site dedicated to finding the perfect work-life balance at The Four Hour Work Day.  When Harry is not blogging, he works full time as an aerospace engineer and enjoys surfing and playing beach volleyball.  (Although Harry is my friend, I had NO IDEA that he was an aerospace engineer!!!) [Read more...]