Change Your Environment to Improve Your Finances A few months ago, my former colleague Alice asked for advice on becoming more disciplined with money. I told her she already had discipline. However, she needed to change her environment to support saving and frugal habits. I shared an example from my own experience with weight loss. […]

Small Habits That Define a Frugal Lifestyle Frugalitarians follow many small habits every day. Some of these habits may not save a lot of money. To others, they may even seem silly or time-consuming. However, these choices show creativity and a strong desire to reduce waste. Living frugally often means thinking twice before throwing something […]

Cash vs Credit Cards: What Really Controls Your Spending? Whether you follow Dave Ramsey or you are trying to recover from past money mistakes, one truth remains the same: credit cards often encourage people to spend more than they planned. By the time someone reaches this discussion, they usually understand how important budgeting is. A […]