Three Frugal Habits to Save on Energy All Year

We all know this is the time of the year, especially for us Northerners, Easterners and Mid-Westerners, when the weather can be all over the place, similar to the stock market.  We literally had record-setting freezing temperatures, where if you were outside for minutes, frostbite would occur.  Only to have 60+ degree weather and be able to be outside with shorts and a t-shirt.  The topic of energy preservation, frugality and saving money really hit home from this, as well has assisting a few families on how they can save, each and every month.  Therefore, it’s time to list out THREE EASY habits to introduce, if not already, that will reduce energy and money, each and every month!

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Time to Negotiate Auto & House Insurance

Time to make another fight for my money, something that we should always do, with every purchase decision in our life.  I have recently had a few items drop off from my driving record (minor items, I promise!), pushing me to look at bills that are costly, on an annual basis.  Outside of the mortgage/house payment, what else is very expense?  Yes, auto and house insurance, something that I was spending approximately $1,425.00 combined for the year.  It is time to drill this expense down!

Coins Currency Investment Insurance Cash B

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Lanny’s Final 2017 Goals Update

Wow… another year, down.  I know it’s cliche and that every day is just that, a day.  Whether it’s 365 of them or 450, but at least the calendar is there to check progress towards your goals.  I set goals last year in January, to blaze trails and do more what I’m passionate about.  12 months, 365 days, 8,760 hours (and you get the drift) have passed and it is that peaceful time to check in on the full check on my 2017 goals.  Time to dive right in.

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Bills to Review Annually

Money is a precious resource that buys time, other necessities and freedom.  On a day off from work, I decided to continue the fight for the money that I earn.  I have traded my time to earn funds and it’s time to make each dollar that I am making go further than before.  We have had a few topics on this before, but today I wanted to list out the order of my operations, as I work to make my money go further.  I do have one question.  Are you willing to fight for your money?

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New Computer Feel for…$63.67

My computer is now blazingly Fast!  I am a very frugal individual when it comes to purchases, where I really weigh in on the value and impact a purchase has on my life, not just today – but going forward.  The last 6 months to 1 year, my computer (aluminum Macbook I bought in 2008 – the first one to have a unibody aluminum casing, which I bought for less than half of what it cost when it first came (I did a few things to make this happen.. haha)) has been acting very slow when it came to multi-tasking.  Multi-tasking activities such as: Word Document, Excel, iTunes and web browser – all open at the same time.  I almost went and bought a new tablet or a new computer, but didn’t.  This is where the Frugality of me comes into play.  Continue reading

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Why I am aiming to save 60% each month

I recently reviewed and read DM’s latest post, as he has felt a “Slow down” to the finite item – time.  Here we are, the majority of Americans, working in Careers/”Jobs” that we don’t necessarily gain the most happiness from, spending 40-100 hours per week and watching this “time” dwindle.  Now I know that there are the individuals who are working those hours doing something they absolutely love for a company or a firm – awesome and congratulations.  I can admit – there are perks from my career that I do find enjoyable and that I Love and am passionate about with being a CPA and working for a firm – such as, client relations, offering them advice & guidance, solving problems, the camaraderie with my co-workers, being a teacher to the younger staff & being well respected within my firm.   Continue reading

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Why I Don’t Have Cable

Many of the readers on these platforms are very frugal or are looking for ways to be frugal.  I know I push myself in certain areas to limit the monthly expenditures I have that take away from life, interaction (to some degree) and also my pocket.  I read an article from the NY times last year that said something around 90% of Americans are paying a form of cable television – 90%!!!! That’s a pretty alarming rate to see the vast amount of people that are paying on a monthly basis to your large corporations such as, but not limited to: TimeWarner, AT&T, DirectTV (or AT&T Now? haha), Comcast, WOW!, etc.. I know my fellow Diplomat – Bert – probably has shrills going through his body about this article because I know he enjoys having cable, more so for the fact to watch Sports, well, there are other means BERT.

Cut the cable

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