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Showing posts from 2021

The Best Juicy Frugal Tips Starting with Coffee

Maybe it's because I live in Louisiana.  This part of the country drips with warm weather, great food and drink, and a constant stream of live music.  And we share some of the same European "squeeze  the juice out of every moment" daily lifestyle habits.    Like the love of coffee.   It's a $4-6 per day habit in my house, even when I make most of it at home.  Some say cut it out of your budget, it's a waste.   I say that's ridiculous.   In fact,  I propose that you cut something else out of the budget just to keep coffee in!  Why?   1) It's good for your health (and this is from the people and research at Harvard , mon ami).  2)  It's one of the best inexpensive ways to add a frugal juiciness to every day of your life.     The Belgians love coffee so much that they serve chocolate with every cup -- free of charge.  It's a visual    If you want to immerse yourself in the Belgian way, check out this blogger's post  about the Belg

Hitting Your "Number." Top Three (Free) Tips for Anyone in Life's Dumpster Fire Still Striving to Hit Their Number.

Five years in one sentence:  A catastrophic flood, three hurricanes, two moves, a condo sale, a home purchase, a dream job assignment come true out of the blue, an engagement, a once in a lifetime freeze in the tropics, a parents' death, my first grandbaby, and a pandemic.  No wonder I didn't post any blog updates.    But I've graduated from work-life again!  And I hit my number with a big safety margin this time.   So what were the top three things I did, free of charge, that helped me survive those swings?   #1)  LBYM . Living Below Your Means gives you a McGyver tool kit of skills to survive financially, no matter what.   If you don't know where to start just look at how much you spent over the last three months. Was there more income than outgo?  If so, that's great!   Because that "spread" is how much you truly earned in the quarter.   Let me repeat it -- if you spent $1,000 less last quarter, then that's the increase in your Net Worth.  Your Ass