It’s Your Money, Who Am I To Judge?

It's Your Money, Who Am I To Judge?Earlier this month, I came across the article It’s my money and I’ll spend it how I want to. As soon as I was done reading it, I knew I had to do a follow up to it.

I’m in agreement with the author – I don’t care what others spend their money on, and I wish others didn’t care about what I spend my money on.

As long as you can afford whatever you are buying (I’m assuming you don’t have $200,000 in credit card debt and are not still buying useless garbage – but, wait, is that judging right there? Yes, I guess I just judged), who cares (as long as it’s not illegal of course)?

People are usually rather quick to judge another person. I’m not going to lie – I have judged others too quickly and have regretted it many times in the past. Also, as a personal finance blogger, I have seen a lot of financial mistakes and sometimes it’s hard not to judge. Sometimes the answer is so clearly there but how do you tell a person? [Read more…]

Do You Really Need That MASSIVE House?

Do You Really Need That MASSIVE House?A few weeks ago I published the article Would You Move To A Completely New Place? In it I mentioned that we have put the home-buying process on hold, and we plan on staying in our current house for at least a few more years.

We have put it on hold because we don’t know where we want to live. However, that doesn’t mean that we stopped looking at houses.

I am definitely a crazy person and I probably look at houses on Realtor.com and Zillow at least once a week.

It’s a habit and an obsession…

To backtrack: We bought our current house when we were 20. We weren’t making a lot of money back then, but the market was great for buyers and we needed a place to live, so we decided to buy (we, of course, thought about other things as well). We like our home and it will do for the next few years, but I also don’t see it as our forever home. [Read more…]

Frugal, Space Saving Hobbies

Frugal, Space Saving HobbiesEnjoy this post about frugal, space saving hobbies from my amazing staff writer, Jordann. As many of you may know, I’ve spent the last two years paying off over $38,000 in debt. In order to do that, I saved money on rent by moving into a 400 sq. ft. house.

Now that I’m living the minimalist life, I’ve had to find ways to keep my possessions in check. I do this mainly by learning to live with less.

I have fewer clothes, a smaller number of cooking utensils, and less furniture. I pair down, declutter, and eliminate unnecessary possessions on a daily basis. No area of my life has been left untouched – including my hobbies.

I’ve had to give up a few of my more space intensive hobbies, in favour of activities that don’t take up so much precious square footage in my tiny home. I’ve been pleasantly surprised to see that I’m also saving a bit of cash by indulging in hobbies that take up a little less space.

Here’s some of them:

 

Photography

I love taking photos. I love capturing special moments and family events. Fortunately for me, photography doesn’t cost much. I use an eight year old DSLR that was given to me after my parents had upgraded their model, and some photo editing software that a friend had lying around.

Sure I’d love to invest a little more money and space into it – I could upgrade my camera, try out some new lenses, and maybe even get a tripod, but for now, my second-hand equipment suits me just fine, and doesn’t take up much space.

[Read more…]

Fall Minimalism

Every time the seasons change, I like to take a look at my habits, and decide if there’s anyway to streamline them, to minimize them, or to reduce my consumption.

Can I reduce my expenses in any way? Can I stop consuming something that I’ve always thought is necessary, and what do I really, truly need to add to my home this fall to make life a little bit easier to live?

I find these reflective questions to be an excellent way to intentionally and mindfully reduce the volume of stuff in my home.

As a minimalist in a 400 square foot house, I feel that it’s important to continually try to minimize and remove clutter from my house. I’m always trying to weed out the stuff that I don’t need, keep only the functional or beautiful items, and find new homes for the stuff that no longer needs to be a part of my life.

Here are a few ways I’m going to keep my minimalist philosophy in play this fall. [Read more…]

Minimalism 101: One Thing a Day

I’ve been working really hard in the evenings and on weekends for the past year to generate extra income to pay off my debt. It’s worked!

I’m now only two months from having the entire $38,000 eradicated (I had the same amount as Michelle). Now that I’ve pretty much got my debt in the bag, I’ve resolved to make a little more time for myself and spend less time side hustling and writing.

Since I’ve had a bit of extra free time in the evenings and on weekends, I’ve been on a huge minimalizing kick.

I’ve let things pile up around here, and without the time to address it, it has been driving me crazy.

The problem is, once I start cleaning and eradicating clutter, I sometimes get carried away and before I know it, half of my house is torn apart, and I’ve been so busy flitting from one project to the next that I haven’t been able to actually get rid of anything. Maybe it’s the millennial in me, but when I’m at home, sometimes I have a hard time concentrating on just one project, and completing it, before moving on to the next thing that catches my eye. [Read more…]