Travel hacking. What is it and what are the two ‘secret’ ways you can do it?

What is Travel Hacking? You’ve heard of house hacking but what is travel hacking? This is not a new concept as its conception was the frequent flyer program in the 1970s. The basic idea is to take advantage of a travel situation to make it more cost-effective. Especially to earn free flights, hotels, and rental Read More

9 Millennial spending habits that are financial wastes

Financial waste is where money is not used intentionally. This is where money slips through the cracks of your budget. Figuring out where these cracks are will help your budget as every dollar/pound/euro/ will have a job. This is an updated version of the ones I have seen in the past. Especially since many people Read More

7 things I cut out of my budget

Make-up. Now this one was very hard for me to do as I loved to do my make-up and try new looks. I had to do this one slowly because I also had to learn to not associated self-confidence with this. I still have mascara, concealer, and lipsticks, but I do not buy as often Read More

3 reasons to only use credit cards

Credit cards have received a bad reputation because of the high credit balances that many are struggling to pay off. However, if you do not feel the urge to make unnecessary big purchases, then a credit card is for you. The whole point, from the standpoint of the consumer, is to not rack up debt Read More

5 simple ways to become zero-waste and save money!

Reducing your carbon footprint and saving money does not appear to be a tandem team but they can be. The zero-waste movement may seem like a fad but most of our ancestors were zero-waste. It has only been in the last couple of centuries that our waste is becoming unreal.  Fortunately, these are simple ways Read More

The Financial Diet

Just like when trying to lose weight, the relationship with food has to change. Meaning your lifestyle has to change. The same thing happens when paying off debt or reaching FIRE. All the extra and unimportant things must be cut off or at least cheaper options found. Once your cost-of-living is decreased, you can start Read More

5 ways to increase your savings rate

When you are on the path to FIRE (if you do not know what FIRE is, here is a link) or on the path to financial independence, having a higher than normal savings rate can help kick start it. Zero-dollar based savings – This one is my all-time favorite. It is the easiest to keep Read More