When Joe at Retire By 40 published his great post “Is Your Risk Tolerance Too High?“, it got me thinking about how my risk tolerance has affected my decisions in life. On a scale from 0 to 10 (0 – lowest and 10 – highest), […]
Saving money is what Mr. FAF and I do on a daily basis. We believe in the value of frugality and try our best to embrace this concept in our lives. Some of our frugal habits are simple such as turning off the lights when […]
Miscommunication This is a real conversation between Mr. FAF and me a while back: [Mr. FAF messaged me at work.] Mr. FAF: There’s an event this Saturday. Do you want to go? Me: What event? Mr. FAF: [His company’s name] Me: Really? What event? Mr. […]
I love to get constructive advice from other people, especially if it’s about topics I am not familiar with. However, over the years, I have seen suggestions on investment that I don’t fully understand or am not convinced by. I am writing this article not […]
As my baby bumps is getting bigger and the due date is just around the corner, some of my colleagues have told me that they wanted to throw me a baby shower. Those are the colleagues that I work closely with or talk to on […]
I will admit one thing to you. I think the honeymoon concept is a bit strange to me. Honeymoon is defined as “a vacation or trip taken by two people who have just been married,” according to Cambridge Dictionary. After planning and paying for a […]
Have you ever dreamed of something and then later realized that is not exactly what you want? I have many of those dreams throughout my past 30 years of existence. At one point, I thought that I desired something so badly that I could give […]
Yesterday I went to bed at 10 PM but couldn’t fall asleep. And what did I do? I looked up Mrs. Frugalwoods’s blog posts about her clothing ban and relished the progress of my own for the first half of 2018. I grew up poor […]
The surprise increase A couple of months ago, we got an email from Liberty Mutual informing us that our annual car insurance premium had gone up 10% from $110 to $121/month. I’ve read about the benefit of shopping for lower car insurance rates but didn’t […]
These past few days, I’ve been experiencing something I’ve never felt before: frugal fatigue. I just feel tired of saving money and pinching pennies all the time. I want to life life a little and keep wondering about those trips to exotic resorts, those fancy […]
The trigger It was 6 PM on Tuesday, July 3rd. I showed up at my son’s daycare to pick him up. July 4th was the next day, so I double-checked with the teacher’s assistant to make sure that they were closed that day. To my […]
That important moment had finally come. I was standing among hundreds of people, most of whom were PhD graduates and their family. It was Mr. FAF’s graduation ceremony, something we had all been waiting for for the past six years. It was the reason why […]