Green Smoothie Bowls
I would say that I have eaten a green smoothie bowl for breakfast 80-90% of mornings for the past few years. I like the balance of earthy greens and subtly sweet fruit. I like the texture and crunch of the…
How I Track My Money
When it comes to money management, I try to strike a balance between maximum simplicity and maximum effectiveness. I care where my money is going and how it is growing, but at the same time, I am not interested in…
How I Manage My Money
My money management strategy has three major components: bank accounts, investment accounts, and credit cards. This is not unique – I hope that your financial life includes these three components, too! However, I take a few slightly unconventional and very…
10 Ways to Save a Little Money
As the name of this website implies, I have built a number of frugal practices into my daily life. Some money-saving strategies make a huge difference, such as living in a modest home vs. the most expensive one you can…
Entering Adulthood on $200 per Week
If you have read our About Us page, you already know that I completed two years of service as an AmeriCorps VISTA member. AmeriCorps paid me living allowance stipend of about $11,000 – $14,000 plus a Segal AmeriCorps Education Award per year. Yikes.…
How To Calculate Your Effective Tax Rate
Despite my income putting me in the 22% tax bracket for the 2019 year, my effective tax rate was only 11.4% – essentially half of the marginal tax rate! Maybe this already makes sense to you. However, there definitely seems…
Why Does My W-4 Matter?
The U.S. government expects you to contribute a certain amount of money each year, which is referred to as your “tax liability.” What do they want from me? For the average person, your taxable liability will be determined based on…
A Practical Approach to Meal Planning
Do you struggle to keep your food spending under control and/or to use up all of the food that you buy? For me, the answer is no, and it all comes down to this easy, practical approach to meal planning.…