Don’t Eat Breakfast

One way to really tighten up your budget and generate a multitude of other life and money-saving benefits, of course, is to tighten up your diet.  Now overall, what and how much  you eat is the most important thing of all when it comes to meeting your physical and financial goals.  Simply put, if you eat more you will spend more, and if you eat more calories than you burn, you will gain weight.  And vice versa.  That is the crux of it all, simple.  How you get there is up to you really, but here’s a bit on some of my own findings.

Continue reading “Don’t Eat Breakfast”

Put Your Pants in the Freezer

We’ve talked about impulse spending, or shopping as entertainment, and how you really need to get a life if that’s something you do too much of (don’t take it personally though, I’ve been there, trust me).  And I find one of the most common form of this kind of shopping is probably for clothing.  Malls are full of clothing stores, and since buying clothing not only makes us feel that we look better (temporarily) and satisfies our well-trained need for the (also temporary) reward of buying something new, they’re all-too-often a place that chips away at our income and savings disproportionately and unnecessarily.

There’s always some new kicks and those pants of slightly different shade than the ones you are wearing, and whether you’re buying a few designer pieces here and there, or are obsessed with owning every shade of $10 plain Wal-Mart T-shirt, sometimes it seems we just have got to have it.  And maybe that’s OK.  But the thing is that we won’t admit that.  We wouldn’t tell our friend that’s with us that we don’t need these new jeans, but are just going to buy them anyway.  No.  Instead we weave a little story for ourselves of which we first convince ourselves so that we can convince those around us if it seems called for.

Continue reading “Put Your Pants in the Freezer”

Financial Report: It’s Been a While

Man I hate Nickelback.  Why did I do that?

How is everyone doing?  Well I’ve been down here in the desert and the days have been flying by.  But for someone who would like to run a well-written blog one day, I sure haven’t been very active in the last few weeks.  But on the other hand, man have I been living.  I’ve caught some of the best waves of my life, and surfed more than ever before in a 3-week period of time (everyday, usually 4 or more hours).  My point is that I’ve had another great taste of what retirement will be like, and I want more!

I’ve been feeling bad for not attending to some of my pursuits such as writing, but the fact is that surfing is just as or more important to me, and it’s the kind of thing that can happen with a high (or low amount) of frequency during a certain period of time, depending on the what mother nature delivers.

Continue reading “Financial Report: It’s Been a While”