How to Budget For That Pesky Miscellaneous Category

When it comes to budgeting, categorization is the name of the game.  If you’re doing great with 95% of your spending but that other 5% is completely obliterating your savings rate, then a self-examination needs to occur.  There’s obviously no better remedy for that than setting a monthly budget.  But one particular line item in your budget can … More How to Budget For That Pesky Miscellaneous Category

How I Achieve Over A 45% Savings Rate WITHOUT Minimalism

Often I’ll read a blog or see a YouTube video preaching how extreme frugality is not just THE answer to early retirement, but will also somehow serve as some sort of spiritual awakening. While I don’t doubt their personal experiences, the result of this kind of message is a sugar high for mainstream society. And … More How I Achieve Over A 45% Savings Rate WITHOUT Minimalism

The Revelation

It was a couple of years ago. I had switched jobs to a competitor that forced my previous employer to let me go. Because I had to give four weeks’ notice, I had four weeks of time off between then and when I started my new job. After those four weeks passed, I had a … More The Revelation