When I was teenager, indoor malls were just starting to pop up all over middle class suburbia. I remember how shopping went from being a necessary task to entertainment seemingly overnight. Inside you could find food courts and gift shops, specialty clothing boutiques and art stores. There was something for everyone and every age. And just like that, the mall became something to do instead of somewhere to go when you needed the essentials. Continue reading The Mall Is Not Your Friend
When you’re broke, there are two paths to choose from: drop your spending down below your income or find an income to match your spending. Much of our society opts for the latter. Continue reading Make More Money Or Spend Less
I still remember the shocked and confused look on my friend’s face when I mentioned car financing. He was born overseas and the concept was completely foreign to him. After he took a breath and composed himself, he said, “Kim, if you can’t buy a car for cash then you can’t afford that car.” Continue reading The Myth Of Good Debt
There is an excitement that comes with purchasing something shiny and new. The rush begins when we start thinking about all the great things we are going to do with our new widget. We start to believe what the advertisers are feeding us. If only we own this (insert unnecessary purchase here), our lives will be more exciting. Friends will find us more interesting. Neighbors will envy us. We will be happier. None of this is true, however, and we usually find ourselves with less money and one more possession to add to the pile. Continue reading Mindful Spending
I’ve always prided myself on my budgeting skills. I could tell you where every dime was going and pay the bills on time. But over the last couple of years my income and expenses have changed slightly and instead of re-evaluating and adjusting, I kept on the same path I’d been on. Instead of actually budgeting, I realized I’d only been accounting for my expenditures after the fact without any real plan. Continue reading Do You Budget?
Ah…the shopping list. It can be the most important tool in a life with less. You see, when you approach all your spending with intention, you will get more of what you need and less of that which just catches your eye. Continue reading Making A List…