No Spend November

It’s Novem­ber 11th, 2016. A day that is an impor­tant date in his­to­ry for three rea­sons: Vet­er­ans Day, Remem­brance Day, and the end of my sec­ond week of No Spend Novem­ber. So far, I’d say it’s going mere­ly ok. I haven’t done the best job, but I also didn’t dri­ve to the out­let mall an hour away and … Read more

Monthly Status Report: October 2016

Why do I do a month­ly sta­tus report? I find it best to do a month­ly sta­tus report for a few rea­sons. It helps me eval­u­ate how I did the pre­vi­ous month. Did I hit a tar­get reduc­tion in spend­ing or did I go way over bud­get for a par­tic­u­lar cat­e­gory? Did I earn more? What was my over­all sav­ings rate? It helps keep me account­able. How … Read more

An Evening with Phroogal

I nev­er thought I’d be the per­son with a book titled “YOLO” on my book­shelf, and yet here I am. What’s more, I’ll prob­a­bly even buy a few more copies and hand them out as Christ­mas and grad­u­a­tion gifts! I received a free copy of the book from the author him­self, Jason Vitug, when he dropped by on his road­tip: … Read more

Dealing with the Guilt

If you’re a long time read­er, or have read my finan­cial back­ground posts (one & two), you’ll remem­ber I wasn’t born into the upper-mid­­dle class lifestyle. I grew up pret­ty poor. Med­ic­aid, food stamps, gov­ern­ment hous­ing, free break­fast and lunch­es at school, and low-cost after-school care was my life for the first 6 years. Then my mom got mar­ried to … Read more


GUYS! LOOK!!!   I HIT $100k NET WORTH!! In case you couldn’t tell, I am SUPER PUMPED I hit the 6 fig­ures mile­stone. Me and Jere­my ren­ner are super excit­ed $100K! I just can’t believe it’s actu­al­ly here! I start­ed out in 2014 at the age of 23 with a net worth of $10k. In 2.5 years (or 30 months … Read more