Money Management and Planning - Frugal Under Forty

Money Management and Planning

Planning From Every Angle and How to Succeed Without Even Trying

by Mr Frugal • December 3, 2011 • Frugality and Budgeting, Lifestyle, Money Management and Planning, Seven on Saturdays • 3 Comments

This week we’re back with Seven on Saturdays. I was off my usual schedule for a couple weeks with Thanksgiving and a few other posts that I wanted to write. The personal finance blogosphere has been on fire over the last few weeks. Oodles of great ideas and thoughts have been posted. And it’s my [...]
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Interview with David Garcia

by Mr Frugal • December 1, 2011 • Frugality and Budgeting, Money Management and Planning • 2 Comments

I recently had the pleasure of talking with David Garcia from The Frugality Game about my philosophy on personal finance, money management, budgeting and planning. Here’s a link to the interview. Enjoy! David consistently posts some of the best content around through his blog. After reading the interview, I’d encourage you to poke around his blog [...]
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How I Found the Strength to Save

by Mr Frugal • November 26, 2011 • Frugality and Budgeting, Money Management and Planning • 0 Comments

It’s not uncommon for people to spend as a type of reward. The thinking often sounds something like this. “I work hard, I’m entitled to a little reward. I earned it!”. I confess that I felt this way for a long time myself. And for me it was a wicked cycle with a net-negative outcome. Improving [...]
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Discretionary vs. Structural Spending

by Mr Frugal • November 20, 2011 • Lifestyle, Money Management and Planning • 3 Comments

Not all spending is equal. I break spending into two camps: structural spending and discretionary spending. Structural Spending Structural spending includes basic care and feeding. Rent or mortgage Utilities (heat, hot water, electricity and gas) Food Medicine for chronic illness Education for children Clothing Transportation These are essential ingredients to daily life. They are necessary, but not [...]
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Make It or Break It. The Day You Realize You’re No Longer Broke

by Mr Frugal • November 8, 2011 • Lifestyle, Money Management and Planning • 1 Comment

If you’re successful in digging yourself out of debt, the day will come when you aren’t broke anymore. The mountain of struggle and sacrifice that was ahead of you for so long is now behind you. This is a defining moment. Will You Go Back? Recidivism is a common phenomenon among convicted criminals. Recidivism is [...]
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Mindset Matters Most

by Mr Frugal • November 5, 2011 • Job and Career, Money Management and Planning, Seven on Saturdays • 0 Comments

#7. BeatingBroke brought up the idea of a self-imposed layaway plan. The idea is simple. Think ahead to all the expenses you know you’re going to incur in the next 6 months or a year. Then set aside a portion of the total cost from each paycheck until you have enough. This technique has worked [...]
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Motivation, Margin, Misfortune and Money Management

by Mr Frugal • October 22, 2011 • Money Management and Planning, Seven on Saturdays • 4 Comments

#7. Life ebbs and flows. Life takes you in one direction, then things shift. These shifts are the backdrop for the choices you make in life. As circumstances change, you make choices and those choices mold your future. Len Penzo shared a great list of suggestions for how to make the most of your decision [...]
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Plan, Plan, Plan and Hope for the Best

by Mr Frugal • October 8, 2011 • Money Management and Planning, Seven on Saturdays • 2 Comments

I’ve learned that the best way to avoid getting into really bad situations is to know how to get out before you get in. Don’t get yourself into a situation you don’t already know how to get yourself out of. Things that you think shouldn’t happen, will happen. So have a plan for how to [...]
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Planning Tips and the Bears Get Fierce

by Mr Frugal • September 24, 2011 • Money Management and Planning, Seven on Saturdays • 0 Comments

Here we go. Lots of big news this week, and lots of great posts in the personal finance blogosphere. Let’s take a look! #7. I’ve been following the equities markets closely over the last couple weeks. And it’s an exciting, if not reassuring time. We had a triple-witching expiration Friday last week which helped to [...]
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My Relationship With Money

by Mr Frugal • September 13, 2011 • Job and Career, Lifestyle, Money Management and Planning • 0 Comments

This is a guest post from Ann Evans. Ann writes about the changing roles of women in the 21st century. Her most recent work is titled The Abortion Wars and is available on Kindle eBooks. When I was under 40, a long time ago, I was digging through the couch for enough change to buy [...]
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