Quantifying your dreams to make them happen
Oftentimes, people skip over a very important step in achieving their goals: that of quantifying your dreams to make them happen. They may start first with the tough work of listing out their vision but stop themselves when it comes to adding the details necessary to clarify it further in a measurable way. If we […]
A Simple Bare-Bones Budget
In the uncertainty of the current times, I’ve been so grateful that we have been tracking our expenses so diligently since at least 2014. Thanks to this habit, we have a pretty good idea of a simple bare-bones budget that we could implement by reducing certain expenses that we consider as discretionary expenses should we […]
Gifting myself a break
The holiday stress is real! No matter how much thought I put in being mindful about celebrating Christmas and the new year, and how much I plan to have done things in advance and not rush, the week before the holidays always brings a lot of stress for me. As such, I decided that this […]
Mindful Holiday Spending
With one kid’s birthday just around the corner, then followed by Halloween, it sounds like this is the perfect time to reflect on ways to plan more mindful holiday spending. This was one of our spending objectives for 2019 and as we enter the 4th quarter of the year, time to plan ahead to reach […]
Money Anxiety Ladder
Anxiety about money should be pretty low at the point where we are on our journey, however I continue to encounter it in different circumstances. The amazing Kara owner of Bravely Go and co-host of the wonderful Fairer Cents podcast has a great description of financial anxiety in her article entitled : I’m a Finance […]
Mission : Reduce our Grocery Spending
Frugality is similar to mindfulness, you can easily lose it for a while especially with the busy way we live today, but fortunately, it’s always possible to regain your sense of frugality by bringing your attention to the appropriate things in your life. In our case, our grocery spending has been steadily increasing since 2014 […]
Why we Paid off our Mortgage Quickly
A recurring debate in the personal finance world is the choice between paying off a mortgage vs investing in the market. The Modests Millionaires are of the point of view that, statistically speaking, investing in the market is financially more beneficial in the long run. However many psychological benefits of paying off your mortgage quickly convinced […]
How we Paid Off our Mortgage in 4 years
When we purchased our house in 2013, our plan was to pay off our mortgage in 5 years for the many reasons detailed out in our Why we decided to pay off our mortgage quickly post. We took many steps to achieve this goal and surpassed it by a full year when we made our final mortgage […]
My Frugal Pregnancy
I discovered during my two pregnancies, that there is whole world of advertising and products marketed directly to pregnant women. It’s possible to have a frugal pregnancy even with all that advertising geared towards you. From fashionable maternity wear, to maternity photo shoot, books and birthing programs, as well as exercise programs for expecting and […]
The Wealth of Simplicity
Have you ever questioned your spending? Ultimately, the real reason we spend money is to find a certain quantity of happiness. I’m not talking about the momentary happiness that the purchase of a piece of clothing or the latest popular electronic gadget will bring you but real happiness, from what we consider that this purchase […]
