Having said all this, I more than agree that a lot of money we spend does not give happiness and that should be the focus. Those suggestions are good irrespective of whether they save money or not. ReapAHarvest December 20, , pm. Any tips or pointers would be appreciated! Emma July 26, , pm. I would also add that you should look all over for your vehicles and be prepared to walk away.
David May 31, , pm. Go into the store to shop, not to buy. Check out the cars you are interested, test drive them. Once you have a short list of cars models and the desired trim levels, start emailing delerships. As many as you can in as wide an area as you can stand.
Go back and forth, let people know what the best deals you are finding are, and see if they can beet it. When you have the BEST price for the cars you want, start going into dealerships again and talk financing. Never be afraid to walk away. Both recent car purchases were proceeded with walkouts.
Ok, there are tons of other things to keep in mind, but the whole emailing and shopping around processes has proven to work very well for me. Lin May 30, , pm. I do agree with your views. I am Indian too but not stereotypical! I did have debt. I thought was the norm and the only way to live as that is what I learnt from living in NA. This of course is not relevant if your current job is your passion.
Irina October 9, , am. Love your comment! So on point! I used to be super cheap, buying only items that are about to expire, never traveled, never went out, buy the cheapest clothes. Now I am trying to figure out what brings pleasure and what experiences are worth paying money for. If you have a family of 6, and struggling paying your rent, then sure, eating rice and beans is something you have to do. But if you enjoy cooking and trying out different recipes brings you joy, why not spend a little bit more? That can be an experience by itself.
I think life is not much about retiring early, but more about enjoying what you do. If you love your job, then why would you quit that? You can always negotiate less hours, but not to work completely is weird, if you thrive at work and love challenging yourself. Johnny February 22, , am. This about sums it all up. Gratefull February 22, , pm. I love this topic and the IDea of transforming today instead of waiting for some future intangible retirement.
Oliver December 8, , pm. I would love to hear more about your session — what topics did you cover? I am thinking of putting together a excel spreadsheet to annualise our expenses and the effect they will have on our retirement age. Simple Economist February 22, , am. Must-stash February 22, , pm. I agree! Purple February 22, , pm. That was my first thought. I have a couple of favourite posts I send to people as an intro … but I usually just tell them the site name and recommend that they push the random article button four or five times.
If they just do that, I believe that due to the cosmic goodness of the MMM universe, they will find something that resonates for them. Ross February 22, , am. Great summary MMM! I know it changed mine quite dramatically. Cheer for making millions of folks rich one blog post at a time! Sister X February 22, , am. Have fun in the Seattle area!
MM perhaps write a blog post? Kenneth February 25, , am. I could not agree with this more. Even though the failure was heartbreaking, it made me reevaluate my life and goals, and instantly start mega-funding a b. I finally understand that every dollar I save today buys me time in my future. Thank you so much, MMM. Lance Money Life and More February 22, , am. I think one of the biggest things I have taken away from your blog is to ask myself would this purchase, item or experience really make me happier. On top of that I think you really make people examine how our society allows people to be wasteful without a second thought.
I am definitely glad I found your blog a. Mr February 23, , pm. Yeah, exactly! I think it that may be the MOST important thing to learn. Its about our relationships and the time we spend with others. Billy Murphy February 22, , am.
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PerpetualAsianStudent February 22, , am. This post was incredibly useful for any newcomers in that it really does get down the the nitty gritty of financial independence. It also reminded me of those posts that really stuck out to me while I was reading and that I forgot to bookmark :s. Rich Uncle EL February 22, , am. THis post really gets the juices flowing towards cutting expenses, now I have to convince the mrs.
Since the first post I read I have respected what this blog is about and how it can help others win at life. Holly ClubThrifty February 22, , pm. You get get a Roku box off of Amazon. It is awesome if you have kids because all of the popular cartoons are on it and easily accessible. Melissa February 22, , pm. I totally agree with that. Years ago, I would turn on the tv and just get sucked into whatever was on, good or not. Now, I have to actually pick my shows…and I rarely do. Life is so much more fulfilling without mindless television watching.
There is so many other things to do. Rusty Williams February 22, , pm. I have been without it for a little over a year now.
Left my previous job huge time sink and started my own business. I may not be saving as much as I would like yet, but it has been a nice exercise on cutting costs during the start up time. I am as happy now as I have been in years. Stress is good, more time with kids. Melissa February 24, , pm.
We would so much rather be playing outside or reading something like a blog…. We grew more and more frustrated at a commercial every 2 minutes! We watch a lot of public t. Henk May 27, , pm. Actually, 2 years in the USA made us cut the cable in we are originally from Europe , probably the best outcome of having been there in Texas…. We were physically sick of that fear-mongering TV in USA, the repeating Ads, the shouting, the mindless talks, it was just too much sickness.
Now we have been free for 9 years, and never looked back. Thanks USA for this great experience! Lacy February 22, , pm. Another plug for the Roku, if you have an Amazon Prime membership, you get access to their instant streaming as well. AND, the rotate their free content for Prime members pretty regularly so their is always something new.
Laura Frugal Newlyweds February 22, , pm. We live in a rural area with slowish internet, so streaming is not amazing. However, last fall we purchased an older model of tivo box and love it. It was really exciting to get rid of one of our bills! CrazyWorld February 25, , am. Those are the channels we watch most other than kiddy stuff sometimes. That is what stops me from cutting cable entirely. Also, when friends visit your house and want to watch some sports, does streaming work?
Bernie May 14, , pm. Get HiDef free TV from my 30 year old antenna. Lindsey February 28, , pm. Spend your time listening to free podcasts, cooking delicious dinners, playing outside, biking, doing yoga, exercising, having friends over, reading, baking, or doing any manner of free things. Also, most TV shows nowadays post recent episodes online so you can keep up with shows you like that way for free!
Also, Redbox is a super easy way to rent DVDs for cheap, although I admit that sometimes the selection is lacking. Crystal July 21, , pm. But if you desire stimulation go to the library and order Game of Thrones for free! I watched the entire series that way. I also enjoy getting the Great Courses and any documentary I desire through Interlibrary loan.
Tracy February 22, , am. You planning a Seattle-area meetup? Judging from the forums, we have a lot of mustachians up here. Either way, enjoy the snow! Money Mustache February 22, , am. Yes indeed he is… with Northwest Edible, no less! Check out this great invite I wish I could go! KulshanGirl February 22, , am.
E-mail incoming! Red February 24, , pm. Steve Johansen February 26, , pm. Was a good turn out. Just happened to be in EBB at the time the event was going on. Unfortunately did not get to participate as was only there for short time and appeared to be quite a crowd. Very nice that MMM took the time to greet his readers, and friends. In this area there are many like minded folks as the voluntary simplicity movement had its origins here with Vicki and Joe.
Keep up,the good work!! Petra February 22, , am. My boyfriend is currently enjoying some semi-retirement. He can do this because he made a lot of money over the last few years and saved most of it. His savings will last him several years if need be, but probably new jobs will come to him whenever he is done inventing.
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HappyFund February 22, , am. There are so many different opinions about what happiness means that we tend to just resign to the fact that it depends on the person. It states that after we fulfill our basic needs there are three innate psychological needs: competence, relatedness, and autonomy. If these three are satisfied, we experience what we call happiness.
As it turns out, retirement or financial independence is the perfect way to satisfy the need for autonomy. If we no longer have to work for a paycheck, we suddenly have more time to pursue other options. People who have options are happier, and those that have infinite choices are truly content. Even your advice about DIY repairs and bicycling instead of driving has a direct contribution to the need for competence.
Notice how there is no mention of extrinsic aspirations like being rich, prestige, or having nice things. Nathan Drake February 22, , am. This is an awesome overview! Everything in one post for new folks. I already recommended this post to a friend of mine who recently started reading this blog. This post might make it easier to get a grasp of the overall MMM lifestyle and spending more quickly.
Frugal Toque February 22, , am. An Excellent punch in the arm, sir. The unbruised one, if you please. I would like to point out a minor grammatical error, however. Steve H. February 22, , am. I like the Mr. Money Mustache way. There seems to be a few formulas that are out there for people to become financially independent. Then there are the total minimalist, make your own laundry detergent, live in a cardboard box or in a rental with 6 other people types. MMM is for ANY person who wants to live a full life without the anchor of consumerism or dependency upon others for their own financial success.
I felt my spine ease into alignment and it was wonderful. The ad said it was brand new. I called and asked if the price was firm.source
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It was negotiable. I went to the sellers home and she hit the garage button to reveal a floor to ceiling warehouse of a garage filled with things she and her husband had bought but apparently never used. The inversion table was there with the manufacturer tags still on it.
It was indeed new. I use that inversion table every night. M February 22, , pm. May I also gently suggest trying yoga? No fancy equipment or clothes some yogis practice virtually naked , just postures and deep breathing. My tough-guy husband grew up in an mining town in Montana essentially crawled to my yoga class and has never looked back.
February 22, , pm. Thanks for the suggestion. I will compromise and hang upside down naked on the inversion table. Jamesqf February 23, , am. More like compulsive shoppers, the ones who get their kicks from the act of buying stuff.
I have neighbors close to that, though they do tend to use things a few times before relegating them to the garage. Mary Ellen January 9, , pm. I used to go to the chiropractor every few weeks for lower back soreness and issues. Fitness Blender is where I get all my free videos now. I got tired of listening to Jillian Michaels after 3 years. Diane February 22, , am.
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I recently found this site and I am thoroughly enjoying reading it! Saving for the future rather than buying today has been my personal philosophy for my entire life. I gave my allowance to my dad to put in the bank when I was 5 — 6 years old. Many of my clients earn well into the six figures and have no emergency savings. They have no idea where their money is going and they often have accumulated credit card debt.
Which often is the excuse. It is a real challenge to get them to understand the simple math of simplifying and modifying their lifestyle will allow them to save. Of course this only works when both spouses agree. This is whole other story. Great summary! I have actually found that I am happier and more content with fewer things and a less complicated life in general. I look forward to the day when we have built up enough wealth for us to walk away from our jobs completely as you have.
Totally agree! By simplifying life things really do become better. My Financial Independence Journey February 22, , pm. As someone on his own path to financial independence, I would agree with most of what MMM stated above. But on the basic points and underlying math, we agree. So start making your own lunch or brewing your own coffee. When I moved from post-doc to real job, I kept my standard of living about the same. All the extra money is being banked. Use your judgement about the best way to spend your money.
Anonymous February 23, , am. This is the huge one. I currently live like a student, and bank the rest of my salary, which puts me on track to retire in 5 years. Doug in London, ON February 22, , pm. MrsMastersEconomics February 22, , pm. I started reading the MMM blog a couple months ago and have finally caught up to the most recent post. I actually have a Masters in Economics and a lot of the concepts in the blogs come quite naturally to me.
However, I struggle with believing that financial independence is a realistic option in the near future. Thanks to MMM, I sense myself developing a taste for a life that I never gave enough thought to and I realize that my main limitations are self-imposed. My Financial Independence Journey February 23, , am. All of which are egregiously expensive to live in. And the bus system was functional on less days than banks are. Complete with excessive drinking and late night parties.
Not squalor, but not living like a respectable adult who has a job to hold down. Money Mustache February 23, , pm. Or you can use your social skills, meet some people you LIKE, and team up for a fantastic living experience. They were all a blast, and finally at the end I felt I had saved enough to afford a non-shared house. But I still miss the good times. C February 24, , pm. If you are under 25, I would say it is usually not too much trouble to find good roommates—they are mostly in your age bracket and therefore you seem like a nice, normal person like them.
You ultimately are left with less and less room to be choosy. I experienced this myself recently. I had roommates in my early 20s and finding a place to live and people I got on with was never a problem. Then I lived on my own for a while. Also, I found my BS meter had gotten a lot more sensitive. And, if your roommates are not of a frugal mindset like you are, that can cause issues too i.
Debbie M February 23, , pm. All my roommates except my current one have been college students, but none of them were partiers or binge drinkers. It also helps to have the rule of no TV in the living room except for special occasions. Some have been whiners or kind of boring—I find I spend more time in outside-the-house activities at those times. Others have been great fun. I live in a city of medium expensiveness and therefore crappy mass-transit, but I work at a college and live fairly close to it, so I can take the shuttle in.
I realized I value locational independence car ownership as well as financial independence, for example. And I insist on living in a state with high property taxes I love my college town , so paying off my house was not quite as exciting as it could have been. CarlessInChicago November 16, , am. You forgot Chicago. I have lived happily carless in Chicago for over 25 years.
This city has GREAT public transit, and my life has been easier and much more comfortable without dragging around a lb. Now, I pay cash for everything, including a lovely condo in a very nice and safe, but distinctly unfashionable far north Chicago neighborhood. I buy used furniture and get beautiful furniture for next to nothing from Craigslist, that I could never afford new.
I buy used clothing. I walk a great deal or use public transit, and if I have real need of an auto, I use the car-share services like ZipCars or IGo. I buy used clothing in classic styles and dark colors, and very little of that. Life is now about enjoying my loved ones and friends, and savoring the beauty of my city and neighborhood.
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A long walk around here in the spring, enjoying the beauty of the trees and flowers and animals, and the great architecture, is my favorite entertainment. This city is also full of urban amenities available for free or very low cost- the library, the beautiful parks, the beaches, the bike trails. Jen February 23, , pm. I agree, there are deals to be had in major cities, if you know where to look! Kenoryn February 22, , pm. A fellow government worker! Its a great tax haven that really doesnt ever catch up with you.
Deduction rates go down as they are based on you income after the decduction- WIN! I travelled the world for a year rented out my house so i could pay my mortage and im saving a again for a 9 month leave to go on a US road trip and live in the caribbean for the winter to dive. Amanda February 22, , pm. Go to Hulu, sit through one commercial, and then click on the mark. Simplicity Seeker February 22, , pm. I think the most important thing is to avoid debt and lifestyle inflation. You just have to learn to resist!
Do you not get tired of cooking?! I love to cook but I still need a break from the kitchen at least once a week. Money Mustache February 22, , pm. If going out to eat is a big source of your happiness, then I would be curious why that is. We have people over to our house for dinner a lot and are invited to the homes of friends for dinner just as often.
Our kids run around and play, we eat, drink, and are merry. We have interesting discussions, sometimes get tipsy, and often stay up much too late for the kids. It is so much fun. This is what we do instead of going out to eat. This typically happens at least once a week.
When you add in a picky eater our son and my gluten-intolerance, eating at home or with friends makes a lot more sense. Plus, MMM makes everything fun around here. Cooking dinner together usually involves music and many dancing interludes when our son decides he likes a song and turns up the music. HappyFund February 22, , pm. There is a Danish woman and her children who live in a communal house. There were so many families living there that each family was assigned to cook for everyone one day out of the month my memory is cloudy but it was something like that.
They all ate together every night. It just looked like a lot of fun. Anyways, your story about dinners and cooking reminded me of that. On a person ski trip, our group did just that. Teams were assigned cooking and cleaning duties each day. That made eating in a lot of fun. Sounds great! TeamRonBurgandy February 22, , pm.
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My wife and I value going out to eat quite a bit. Neither one of us are great cooks, It gives us a change of scenery, and I personally enjoy the ability to choose something to eat amongst many choices I am a picky eater. I would add that a lot of people who eat out a lot tend to having problems controlling their weight and may have other health issues- so that is another reason to really cut back.
This is a concern for us, but my wife and I practice healthy eating when we eat out- and we pick places where we know the menus and can order healthy options that we would have trouble making on our own. There are enough other areas where we cut that there is still room to live a mustachian lifestyle and indulge in one or two select extravagences if it is important enough to you.
MMM has a good idea eating with friends as a source of good entertainment that can get you out of the house. So that makes it tough, but on the other hand, she has a gluten-intolerance, so their friends must be nice enough to accomodate. I think variety is what makes life fun. I love the nights where we all cook together and then play boardgames afterwards. But I love going out and experiencing a great meal without having to clean up afterwards just as much. Living in NYC is great in that there is an abundance of amazing food from all over the world. From ethnic food trucks to high-end dining, it seems a shame not to experience it when it is just at your doorstep.
Yeah, I think it depends on what your goals are. Not only that, but it will usually be better for your health as well. As you know, we are retired, but choose not to eat out. When I do go eat out, it is way more fun now too. Would I have a crossfit membership if I was struggling with debt? No way! Generally, I will always put health, fitness, and the environment ahead of anything else when making spending decisions.
For fitness, I happen to enjoy an expensive sport crossfit , but I also enjoy cheap ones like biking and hiking. Also note, I would not go to crossfit if I had to drive to another town to do it. I can easily bike there within 5 minutes year round, so that plays a huge role. Everyone is unique, but I do think that the general exercise of going without something is useful to everyone.
Try it and see what happens. It may just change your mind… and your life. Prob8 February 22, , pm. MM — thanks for clarifying how your eating out budget is spent. I think it would be great for more of that sort of detail. Especially when organic items are included. Other ideas might be along the lines of how the family entertained itself for free or dirt cheap in any given month.
It may have actually been a bit more than that if you take into account cash purchases or other items that were lumped into our misc category. But yeah, we eat well and healthy and we eat all our meals at home too for the most part — breakfast, lunch, and dinner. MMM does almost all the grocery shopping, so he works his magic there. Free entertainment is pretty easy: bike rides, hiking, visiting friends, parks, the library, the museum, the rec center for swimming, playing soccer, making snowforts, gardening, reading, watching movies at home, writing books, playing board games, making crafts… I mean the list goes on and on.
Having a kid will keep you pretty active and entertained too. We hardly ever spend money just to have fun! Rob aka Captain and Mrs Slow February 24, , pm. The key is to prepare a meal ahead of time, throw it in the oven and voila instant meal minimal stress. Today for example we had friends for late lunch, than after they left we popped out to visit some other friends. Since they have 4 kids I picked up some cheap snacks for them, choc covered wafels, terribly unhealthy but oh boy did they make the kids day.
I really appreciate when you stop by and put your own comments in the blog. It gives a different perspective and you include more exact detailed examples, which as mentioned is great. I also understand that food is this couples enjoyment but as stuff changes that might change. I think it would be great if we heard from you more often and even though I already move past some of the older posts you should see if there is any other insight you could add to older ones..
Cool laters. Lina February 22, , pm. I hate cooking although I am pretty good at it. I do it eat at restaurants during vacations and when I am meeting friends. It enables me to eat healthier and gives me more free time during the weeks to focus on training etc. Tara February 22, , pm. I hate eating at restaurants — having to get there, wait around, eat food that is no better than what I can cook at home and often worse, then paying an exorbitant amount. I much prefer what Mrs. MMM describes — having a fun evening at home with friends in a relaxed atmosphere.
Just curious. What city do you live in? I live in NYC where it is foodies paradise. Some of the meals I that I have had are impossible to duplicate without hours and hours of effort. Brian February 22, , pm. You sound like you live a little too close to Convenience Land. Years ago, my wife and I lived in a major city and always tried the newest restaurant or went to movies on a regular basis.
The town we live in now has nothing to do as far as entertainment goes so we started cooking more at home and reading more. IDeaS Revenue Solutions. TrustYou Reputation. Cloudbeds HMS. Clock Software PMS. Hospitality Trends Read more articles. Featured Hotel Software Finders Use our software finders to get an instant product shortlist that fits your requirements. Launch software finder. Marketing Software Finder Compare products for an instant shortlist fitting your requirements. Find software. Revenue Management Software Finder Compare products for an instant shortlist fitting your requirements.
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