Tag: lifestyle creep

Where Fi and Frugality Intersect

By now you’ve heard me rant about pursuing financial independence (having enough passive income to cover your expenses) and you’ve heard me rant about frugality (not buying dumb sh*t).  If you don’t give those ideas any context, they can each come across as pointless pursuits.

If you haven’t been slapped across the face with the ‘aha!’ moment, then I’m guessing you’ve felt something similar to this while reading my posts on financial independence:

“Oh, it must be nice for them to be able to pursue this rich person lifestyle of Financial Independence.”

Or this, when you’ve read my posts on frugality:

“Ha, what a weirdo.” Continue reading “Where Fi and Frugality Intersect”

If You Just Save a Little Bit, It’s Not Really Worth It. Ya Know?

“What? That doesn’t even make sense.  Who wrote that?  That’s not a real article title,” Mrs. Burrito Bowl.

“This is my article.  I’m reading you my article,”  Mr. Burrito Bowl.

“Oh…sounds great, honey.”

Such is life.

Listen, kids.  Saving money is hard no matter how you slice it.  I don’t really know what that saying is supposed to mean.  Sayings are weird.

It’s a mental drain to think of your hard earned dollars just being socked away for some day thirty years down the road. We live in a culture where we don’t even earn our paycheck before we spend it and we for sure don’t earn it and let it sit there for a few decades.

A few of us know that saving money is important, but it’s just so hard.  There’s a mental shift we need to make to motivate ourselves to save part of our paycheck.

Mrs. Burrito Bowl and I are about three years into this whole money saving cult of financial independence and there’s a counterintuitive idea that’s really helped us:  Saving half your paycheck is mentally easier than saving $100. Continue reading “If You Just Save a Little Bit, It’s Not Really Worth It. Ya Know?”