IF YOU DO NOT HAVE THE MONEY . . . STAY AWAY

NO MONEY? JUST DO NOT BUY IT

 

It is difficult and the impulses are constant, but you must overcome temptation and keep a cool head. Think about what you really need, and the consequences or the impact of your spending goals.

If you do not have the money, do not buy it. It is […]

MAKE YOUR CAR LAST

TAKE CARE OF YOUR CAR

It is quite likely that you live in a place where you need a car, even a car for each family/house member, or almost. If you are lucky enough to be able to walk, cycle or use public transport GREAT! But if you rely on your car, you know the […]

TRACK EXPENSES AND KEEP THEM IN CHECK

Where is my money? What happened to my salary?

I want my money!!

You have nothing left from your paycheck and it is not even mid-month. I hear you, you are not alone. It is one of the great mysteries of humanity: Where does the money go when no one sees it? It seems […]

SAVE ON FOOD

SAVE ON FOOD & MAINTAIN QUALITY, VARIETY, AND BALANCE

 

I recently talked about how to save on two different posts, here and here. On those, I already mentioned food as an area where you can cut costs without sacrificing quality of life. Today I provide details and specific strategies to save a lot in […]

REDUCE YOUR MORTGAGE TO HALF (or almost)

Break free from slavery to the mortgage

Wouldn’t it be nice to get rid of that mortgage?

Are you also a slave to your mortgage and you feel it as a life sentence? Do you think you have done something terribly wrong in this life and your punishment is to carry this penitence until you die? I hear you, I feel you; […]

5 + 5: 10 WAYS TO SAVE, PART 2

KEEP SAVING!

 

Today we talk about the “small”, often ignored, expenses and purchases because they seem minor. We tend to forget about their long-term impact, but it all adds up (and it all takes a toll). So today I will tell you strategies I use to cut my recurring expenses, the areas in which […]

5 + 5: 10 WAYS TO SAVE, PART 1

GET SAVING!

 

How to start saving? Where can you cut unnecessary spending? We all like to save a little money here and there and put it to use for other purposes. Maybe you want to invest for your dreamt RETIREMENT, or pay down debt that worries you so much, or save for a project […]

DEBT NO, NO, NO

DO NOT ACCUMULATE DEBT, PAY DOWN YOUR DEBT, AVOID DEBT. DEBT … NO, NO, NO

 

I am telling you Amy Winehouse-style, no . . . no . . . . no . . . Perhaps it is the most important power at your hands to see your goals being realized. Beyond the mortgage for […]

THE IMPORTANCE OF AN EMERGENCY FUND

 

First things first . . .

 

Before you begin and set your goal, before you start controlling and monitoring your expenses and find your magic number (the one that will allow you to retire), you should have some stability and security. I need that peace of mind, how about you?

 

That peace […]

EXPENSES, NET WORTH, AND GOALS

WHERE I STAND, WHERE I AM AIMING FOR

I won’t drive you crazy with my numbers, I will try to explain in the clearest way my expenses, net worth and how far I want to go to get my ticket to FINANCIAL INDEPENDENCE. Remember that once you get to your magic number you […]