Holidays, Shopping

How to Save Money on Cyber Monday

Black Friday has officially come and gone!  And now is the time for the online version, known as Cyber Monday. Black Friday is the one day of the year everyone gets up super early (or stays up super late, or both) to trample down other people to get a good deal on stuff.  Well, almost everyone. I did not participate…

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Motivation

FINDING YOUR FRUGAL DRIVE BY BECOMING THANKFUL

It’s that time of year that everyone posts examples on Facebook of things for which they are thankful. It almost seems to be a contest over who has the best life, who has the most stuff, or who can fill up a whole 23 days of different ‘thankful’ photos. While it is great to be appreciative of what we have…

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Budget

How to Make a Family Budget

A budget is a handy tool to track your spending and ensure you do not overspend on unnecessary items.  It is also great to use to determine what your future spending might look like. To make a family budget, you have to know where you are spending your money. There are some of the obvious categories that go into a…

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Motivation

A Poem for the Frugal Family

Kids are expensive or so they say, But I’m raising mine to be frugal one day. They will learn how to budget and save and invest So they can live happily and let their money do the rest. They don’t need fancy things to find joy in their life, And they will not be exempt from experiencing strife, But life…

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Frugalosophy, Start Here

How Much Money Do I Need to Retire?

You have now decided that you want to retire early.  Maybe to you, retirement means having more time to spend with your partner and children.  Or rather, you may want to go hiking through a national forest.  Either way, you want the freedom that being retired allows.  That’s great! Now you have to figure out how much money to save…

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Motivation

Facing your Fear of Failure

It has been almost a week since Halloween, and I have a few (hundred) miles to run because of it.  I always save a couple of pieces of candy out of the dish to eat later.  I plan to just eat those 2 pieces.  That is, until people show up to work with buckets of candy their kids received and…

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Frugalosophy, Start Here

The 5 W’s of 4D Frugal

So, you made it to the blog.  You decided to come check out what this ‘early retirement’ thing is all about.  Well, where should you start? You should probably start by figuring out who the 4D Frugal family is. Next, you should read about what early retirement actually is. Then you can read about when to start planning for retirement.…

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Frugalosophy

Why Should I Care about Early Retirement?

It might sound like a lot of work to be aware of where your money is going and cutting back where you can, but it quickly becomes second nature.  You learn to be aware at all times and to analyze purchases instead of making impulse buys with every trip to the store.  In fact, it gets easier to just skip…

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Frugalosophy

Where Do I Even Start to Become Frugal?

So, being frugal sounds all well and good, but where do I start? That is a great question; I’m glad you asked! You cannot truly assess where you need to become frugal if you do not know where your money is going.  It is easy to sit back and watch the dollars disappear without any real knowledge of where they…

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