How To Live A Simple Life And Avoid Consumer Debt

YOU DON’T REALIZE THE POWER OF YOUR WORLD UNTIL YOU RELEASE THE CLUTTER AND INCREASE SAVINGS POWER   The other day Mrs. CBB and I were driving in the truck when all of a sudden she says to me, “I just want to live a simple life” which was surprising but given recent events in our lives, not really. After her father passed away it was constant trips to her parents house to sort out all of his stuff and boy did he have lots of stuff. It took us weeks of travel and hours of hard work just to get through what we did and we’re still not done. There wasn’t a time throughout the process that we didn’t complain about how much stuff there was and how we would never do this to our son. It was tough, we’ll admit it over and over again and I think it has taken its toll on us both. Over the last month we managed to take our entire 10-year-old living room set and binned it because it was that pleather material (fake leather) which was peeling and getting on our nerves. I had it in my mind to chop it […]

The One Million Dollar Frugal Journey Train Ride : June 2018 Net Worth Update (+1.02%)

OUR FINANCE TRACK DOESN’T END AND NEITHER SHOULD YOURS   Money is why we started this blog and we certainly aren’t going to end it just because we’ve reached the one million dollar number that for some reason people think is the big bang theory of finance. How finance began and how finance ends, either you’re broke or you’re worth millions. We aren’t quitting now, not ever (unless we are 6 feet under) and it’s taking me weeks to write this post because I wasn’t sure how to tackle a topic that really was just a number. We’ve learned at CBB there’s more to life than just money however we still need to consider yesterday, today and tomorrow. Somehow debt rules and not from a happy perspective either. Happier has become my our rich and even thought we’ve achieved our one million dollar frugal journey we aren’t stopping now. There has to be a reason why so many people thrive on the million dollar journey yet stumble to get over paying debt or simply understanding their financial health. Give me a million dollars I need a million dollars I want a million dollars Why do so many people want or […]

Why Is A Frugal Lifestyle So Popular Yet Humiliating? : The Saturday Weekend Review #258

MONEY HAS NO FEELINGS SO DON’T LET IT OWN YOU.   Money has no feelings so don’t let it own you, not now not ever because that circle of desire vs. need can get tricky when you lead a lifestyle you think you deserve. What I mean by this is that there are people out there and perhaps yourself reading this today who want to act rich but live a frugal lifestyle without anyone knowing. That’s all fine and dandy but what I don’t understand is why is it so humiliating that you can’t admit it? I am a self-confessed nosey person but I don’t think I ever considered finding a bargain to be a deal breaker when it came to conversation. Even when I was a broke student I would look for deals and would tell my close friends about them because I was thrilled about it. I wouldn’t pretend to them that I bought something I likely couldn’t afford to buy retail or even on sale. No, I bought it USED. You might be that person who loves to save money and considers themselves part of the frugal lifestyle movement but not prepared to tell anyone about your […]

3 Budget Guidelines That Fuel Our Financial Success

TAKE WHAT MONEY YOU HAVE AND TURN IT INTO FINANCIAL FREEDOM   If you think setting budget guidelines are financial over-kill than let me tell you how good debt freedom feels–damn good. You can do this too! The idea is to start somewhere small to get to where you want to go that’s far bigger than you have ever imagined. It may not happen as fast as it did for us, but you’ll get there. So go ahead laugh or say you don’t need to push the limits with your budget because I will shout from the highest mountains (right now that’s the snow pile at the end of our drive) that you get out of budgeting what you put in, full-stop. Creating a budget should be the least of your worries when it comes to budgeting because most people don’t even get past the first stages, “thinking about budgeting” As soon as the new year hits this blog gets power-housed from readers all over the world looking for budget tips. That’s refreshing to see but I’d like to see this happen not just in January and February, but all year-long. There are so many free budgets online including our […]

How To Fight Credit Card Debt With A Balance Transfer Option

A BALANCE TRANSFER MIGHT BE THE OPTION THAT WORKS FOR YOU   Ah, the New Year, a new perspective, a new way of looking at things in our lives. For lots of people the New Year means making resolutions or promises to themselves to stay on track with their goals. Maybe your New Years Resolution is keeping that promise to yourself about quitting smoking and saving money at the same time or just saving money, online trading, starting a budget or starting a new career or second job. Beginning your year with a monthly budget can be a great start to tackling your debt. We’ve been using a budget for a number of years now and track all of our income and spending which includes asking for receipts. Sounds a bit boring but in part this is what allowed us to become debt free before we were 40 years old. Ultimately whether we had debt or not our budget allowed us to see what’s costing us more than it should and to adjust our spending habits to compensate for it. Related: How to create a results driven budget for 2018 I’m not going to lie to you, having a second […]

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