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Tag: Frugality

baby, it's cold inside

baby, it's cold inside

So with the price of oil going up, our gas bill has gone up, too. Around Christmas, we decided to turn off our heater and see how long we could last in our apartment without heat. We have been wearing two of everything on average, and sometimes even three sweaters. We have been huddled in front of the space heater, but I know that’s using electricity so I’ve been trying to conserve that as well. Thanks for the indoor/outdoor thermometer…

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thoughts on home buying

thoughts on home buying

Paul and I met with a budget coach yesterday. He is a volunteer through Crown Ministries who is meeting with us to discuss our budget and keep us accountable to sticking with it. He is certified through Crown and through Dave Ramsey. Our first meeting was yesterday, and we discussed our plan for our finances. This is what he recommended: 1) $1000 Emergency Fund 2) Pay off all loans 3) 3-6 Months Living Expenses Emergency Fund 4) Save for retirement…

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how I saved $21

how I saved $21

My story, briefly: I grew up in a very frugal family as a missionary kid. I went to college and tried to be frugal there, too, as much as a college student can. I rarely ate out, and if I was traveling I tried to skip meals to save money. Then I got my first job and moved into my own apartment. I suddenly had money, and before long I was in a nice cycle of buying things. I must…

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