Young and Frugal

As I’ve said before, being frugal is about controlling your money and making choices so that you can allow yourself to splurge, because if you aren’t controlling your money, your money will control you.  That sounds easy enough but in reality living frugally is not easy at all.  It’s something that I struggle with daily, [...]

This week I overheard a conversation that made me ashamed of my generation.  I felt like I aged 20 years and was looking at two young people (roughly my age) in disbelief.
I was in a retail store with my wife, and I had a cashier call other stores to check stock on an item.  As [...]

Hi, my name is Daniel, and I… lost track of my finances. 
I write (what is for the most part) a personal finance blog, so you’d think that I would track every penney, but I don’t.  We budget to pay ourselves first (savings/retirement), pay all of our bills, and then everything else is give and take.  One month we might [...]

My wife and I have essentially been living as if we were making mortgage payments on our new house for the last 6 months, but instead of paying a mortgage (and taxes and insurance and Homeowners Association) it’s all been going into savings for our down payment.
We admit that we are stretching ourselves to buy [...]

In college I thought I had learned everything.  I learned finance in and out, I learned economics, marketing, advertising, managing, forecasting, social drinking, networking, and every other aspect of business that I could think of.  I was a badass. 
Nope.  As soon as I started work, I ate my piece of humble pie. 
Why is it that I spent [...]