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Self Insurance
One recurring bill category my wife and I are continuing to improve is our insurance line item. This includes home, car, and life...
jdmlight
Feb 212 min read
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Paint a Picture of FI
I am usually hesitant to bring up our financial goals in conversations with friends and especially coworkers. It’s usually not a...
jdmlight
Feb 143 min read
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Non-Scary Budget Conversations
Whenever I mention to a friend or co-worker the topic of budgeting, it always seems to lead towards one of two responses: I maintain a...
jdmlight
Feb 73 min read
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Project 333 (Clothing Cost Reduction)
One budget category that I’ve nearly forgotten about is for clothing. It’s become such an irregular category for us to spend money on at...
jdmlight
Jan 314 min read
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How We Save Money on Groceries
One of the more variable budget line items in our quest for frugality is groceries. Our current level of spending for two adults and a...
jdmlight
Jan 244 min read
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Frugality as a Lifestyle
My wife and I often joke about how we typically end up making larger purchases. As an example, we were considering purchasing a new...
jdmlight
Jan 173 min read
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Our Typical Monthly Budget
One topic that I don’t see shared frequently regarding budgets is more specifics with real-life numbers. Many of the templates I see...
jdmlight
Jan 103 min read
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Our 2025 Low Buy Year
As the year 2024 comes to a close, my wife and I have been discussing the best way to jump start our first debt-free year. One way we...
jdmlight
Jan 33 min read
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A Blu-Ray Player: The Frugal Option?
TV can be a major expense for many households. Long ago when I was growing up, people paid money to a cable company for the privilege of...
jdmlight
Dec 27, 20243 min read
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Pay Off Mortgage or Invest? (With Calculator!)
Now that my wife and I are officially done with consumer debt, one conversation we've had again and again is where we should put the...
jdmlight
Dec 20, 20243 min read
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December 2024 Progress Update
I personally believe that one of the reasons we as a society never seem to get better at managing our own money is because we never talk...
jdmlight
Dec 13, 20243 min read
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Review: Dave Ramsey's Financial Peace University
When I turned 25, I started to think about longer-term life goals. I determined that by the time I turned 30 I wanted to: Progress in my...
jdmlight
Dec 6, 20244 min read
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Small Changes Add Up - Cell Phone Bill Edition
As is usual for the holiday season, I’ve been interacting with family members that I don’t typically see the rest of the year. This...
jdmlight
Nov 29, 20244 min read
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Discovering Financial Independence
I found out after starting my adult life that money management is not effectively taught or discussed today. People will happily talk to...
jdmlight
Nov 22, 20243 min read
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