I hate writing lists, and I don’t particularly enjoy shopping. Not all women do apparently. Because I’m a disorganized shopper, I find myself in the supermarket more often than I wish, and it just aggravates my hatred for supermarkets. Three days ago for example, I went to do my monthly house shopping. While I actually had a full cart at the end of my shopping…
Read MoreOn this blog, we embrace frugality, which means we are not cheap or Amish, but look to spend as little as possible on almost everything, and still derive value, and improve the quality of our lives. Today we talk about the internet. If you use the BT broadband speed checker or any of the other tools online to check your home internet speeds right now,…
Read MoreI’m a member of an investment club (a chama), with 9 other ladies, much older than me. In fact, this is my Mom’s club, she invited me to join after my original investment club went burst. I don’t socialize much with the other members, but this week something interesting happened. One of the members asked me to co-sign for her on a loan she was…
Read MoreHospitalisation is generally physically depressing, and can turn into a financial tragedy if you’re not well prepared. Lately,medical care is so expensive and has made access to quality health care a luxury, and even then, the quality is arguable. While you can’t predict sickness or accidents, there are certain things you can do before and after hospitalisation that help you greatly reduce your medical expenses….
Read MoreMost of us tend to overspend on furniture, and in most cases end up regretting because it doesn’t last as long as it should. We’ve all heard (or experienced) horror stories where someone buys a fantastic looking table/bed/sofa, and within a year, they have to replace it because it’s broken or no longer works. As Team Frugality, we want to spend as little as is…
Read MoreI love gadgets, just as much as the next 21st Century person, but I’m also a frugal person (or I try to be), for that reason I don’t spend much, if at all on gadgets. Right now, I have the iPhone 4, Galaxy Tablet, and I need one more phone, so I’ve been looking for HTC One deals hoping to find a reasonably priced phone. Over the last…
Read MoreOn this blog, I advice that as much as possible to avoid debt, but life is such that at one point or another, you will need to borrow, either to take care of an emergency or to make an investment. Used well, credit could be as much of a wealth building tool as picking the right stocks and investments. Internationally, there are ways to score…
Read MoreIn my post on how to save money on clothes, I suggested that you scour style websites for fashion advice, especially when it comes to picking the classic pieces you’d want to splurge on. I came across the following sites that not only give great style advice, most embrace minimalism: the concept of not collecting more possessions than you need. We all admit, our closets…
Read MoreMost personal finance experts advice that the best method to get out of debt is to pay off your high interest debts first. While this makes text book and mathematical sense, personal finance success is 80% behaviour, and 20% mathematics. We become good at it by focusing more on methods that reward good behaviour, and keep us going. Recommended by personal finance guru, Dave…
Read MoreIn what way would the ideal personal finance app improve your personal finances? I’m the last person to bash technology, everyone knows I love gadgets. I however think a swanky app or a great spreadsheet tool doesn’t make us significantly better at managing our personal finances, discipline is everything. Technology is just a tool. A great app will help you track your expenses maybe better…
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