Could you Cover an Unexpected Bill in Cash?


For many years our household could not cover an unexpected bill in cash. We simply did not have a plan for our money even though we had a large income. We were living paycheck to paycheck. This meant no cash savings. When an unexpected bill …

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Am I Frugal or Cheap?

Am I frugal or cheap is a question I recently asked myself. I consider a lot of things when trying to come to a conclusion. I considered my income, the things I am willing to pay for, and the things I am not.

After much thought, while mowing my lawn, I’m not sure of the answer. So I’d figure I’d open it up for discussion here on the blog in hopes to come to come to a final solution on my frugality or cheapness.

Before we do that, let me state my case. Here ‘s the overview of the three areas I consider when trying to answer the question myself.


Now income, as a number I don’t believe can define someone as frugal or cheap but helps sets a baseline. The starting point for comparisons. Someone making twenty-five thousand dollars a year would have a different baseline than someone making seventy-five thousand a year for their level of frugality or cheapness.

Our family makes a six-figure income. So our baseline in pretty high. We do live in the Northeast. Long Island, New York to be exact, where property taxes are high, and general cost of living is above average. Here’s is one of my favorite memes to explain.

frugal or cheap

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Data Privacy Day

Data Privacy Day is an international holiday that occurs every January 28. It began in the United States and Canada in January 2009 as an extension of the Data Protection Day celebration first in Europe in 2007.

Data Protection Day commemorates January 28, 1981, signing of Convention 108, the first legally binding international treaty dealing with privacy and data protection.

Data Privacy Day aims to raise awareness of the importance of protecting the privacy of personal information online as well as to unite privacy professionals worldwide in its celebration.

As the online marketplace, social media networks, and the overall number of data sharing opportunities continue to grow online, data privacy and security need to be at the forefront of all individual’s.


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Understanding Your Behavior to Reach Financial Freedom

For some, resisting the need to splurge on shopping can prove challenging. Whether it’s on bargains or the latest designer must-haves, certain people just can’t resist. Then there’s those of us that feel a compulsive urge to save and shun shopping sprees in favor of keeping the bank account in check.

So, if you fall into one of these categories, you may feel like your spending habits are restricting you. Those who spend may struggle to fund significant purchases like holidays and cars. Where savers could be hampering their ability to enjoy some finer things in life and treat themselves now and then.

There is no right or wrong answer. However, different extremes can impact our everyday lives. So how do you tweak the way you spend to ensure you get the most enjoyment out of your money? To help, we’ve compiled a list of hints and tips to help you understand your behavior and reach financial freedom.

financial freedom

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It’s Time to Re-evaluate Your Financial Priorities

At every walk of life, you might have different financial milestones to chase. The first thing to do is set the priorities for each milestone and move forward accordingly. Sometimes you might feel that you’re moving as per plan, but the outcome is slower than …

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Money Movies We Love

Who doesn’t love a good movie? How about a money movie? Well according to Box Office Mojo, a web site that tracks Hollywood’s box office results, we really like movies, we spend over 11 billion dollars watching movies in 2016. So far in 2017, we …

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Leaving a Legacy: Class of 2030

When I started volunteering within my school district three years ago, I had no thoughts about leaving a legacy. I still don’t today, but as I was driving home from our final financial committee meeting before our board of education presentation, in fact, I realize I might just be doing that.

I will be presenting our three-year plan to implemented financial literacy across ten schools, seven elementary, two middle schools and a high school with a population of two thousand students.

Considering our goal is to add curriculum to all grade levels K-12, having an impact on students financial futures are very likely over many years.

A kindergartener entering our school district this year will graduate in the year 2030. I’ll be sixty years old by then, and that student would have years of financial education all because of my efforts started in 2014. A nice little feather in my cap, but not anywhere close to the reason I started pursuing this effort.

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Spending Habits of Our Teenagers

Last summer I posted an unscientific breakdown of the spending of our three teenagers. Like I said then, I’m sure there has been some study or report that captures this data, but why look further that our personal capital account. Well I’m back with an update, and …

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Money and Work Songs

Music can be very inspirational and motivating. When it comes to money and work we often need both. I listen to all types of music, often to relax or just calm my mind from the many things I might be focusing on in the moment.

I have written about the connection between music and money before, with the millions of songs in the world it’s hard not to have songs about these topics. Below is my latest list of money and work related songs. Happy listening.


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My Parent’s Financial Story

I don’t ever recall my parent’s specifically sitting down with me to talk about the topic of personal finance. I do remember asking questions along the way when I was old enough and aware of money and the cost of things. Even though we did …

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Rock Bottom

One of the biggest factors in our family getting our financial act together was that we hit rock bottom.  If we never hit that point I truly believe we would have continued down the path of bad habits, overspending, and living in debt. We were backed into …

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Have You Ever Heard of the Oompa Loompa Factor?

oompa loompa

Have you ever heard of the Oompa Loompa Factor? (OLF) No, We are not referring to any current politician. We recently had the opportunity to watch both Willy Wonka and the Chocolate Factory – 1971 and the remake Charlie and the Chocolate Factory – 2005.  It’s …

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