Dear Readers…

Hello readers & followers! It has been quite some time since I wrote on this blog and I was ready to actually delete this blog. Luckily, someone made a recent comment that brought me back to those goose bump feelings I would get when I touched someone. I will be writing again, but may be changing the formatting on this blog.

Ok, quick updates on my life!

I am still debt free! Woo Hoo

I recently purchased a 2013 Mini Cooper (dream car) in cash – it was hard to see the savings diminish, but my 2005 Mazda3 had over 210,000 miles and it was time to say farewell. I could not mentally stand the thought of having debt/car payments again, so I bit the bullet and drained the savings. I am in rebuild mode again. On a pay it forward mentality note, I gave my Mazda3 to my cousin in Sacramento who loves it as she was taking the bus to class each day. I now keep up with her Snapchats and her in the car – typically at a fast food joint. 🙂

I am now focused on saving more money for a down payment! I still want to focus on one new country vacation each year and one new state each year, so I need to be able to add that to the budget for sanity purposes, but I do want to focus on that 20%.

One of my personal friends recently became a Real Estate agent and introduced me to a lender who is evaluating my finances. I do not feel very confident about the liquid cash I have, but we will have to see how our discussion goes on Tuesday.

Now that I have a focus, I will be mainly blogging on ways to save for that down payment! Here are some budget friendly action items I have recently done.

  1. I stopped buying coffee! I used to walk into the office daily with coffee the last few months, but I now make it at home daily. Back to the grind!
  2. I have been brown bagging it. Due to my crazy work schedule and commute, I had to outsource my shopping and stick to a realistic plan. This may help you city dwellers:
    • I use Instacart (www.instacart.com) for my grocery shopping. I accepted the fact that I would arrive home around 7pm and was way too tired to shop and then cook. I easily stopped by the local Vietnamese restaurant nearby way too many times dropping $20+ a night! I now create a shopping list, walk to my car at work, hit “submit” and by the time I am home 45 minutes-1 hour later, groceries are delivered to my door. I signed up for the annual fee to avoid delivery fees each usage, so I then just pay for the tip. However, the money I save from eating out is well worth it. Not only to mention, my sanity and time is saved!
    • Learn what works for you: I purchased an indoor grill because I hated the way my chicken breasts came out, so I invested in items that will help me eat what I shopped for. I also found a Griddle pan at Ross that I love that has helped me make breakfasts more enjoyable. Also, frozen rice is a life saver, but is more pricey, so I am looking into a rice cooker.
  3. Back to saying NO! I have said no to quite a few things. If it does not bring me joy, I just can’t do it. Also, I am looking for NEW adventures, so if I have tried that restaurant, if I have already done that event before, chances are, I will say no to you (with a smile)

Ok, that is all folks – Keep you posted on my down payment goals. I am also looking into investing strategies, so I’ll share that as well.

Cheers!

Frugal Idea #49: Yummly

I was recently invited to dinner at my friends’ spot. They are recently married and they are both passionate of their crock pot. So far, I have only discovered their homemade turkey chili. However, I am anxiously waiting to try the salsa verde chicken! It was really great to see a couple take time to make home made meals versus eating out for dinner.

After numerous days of eating out during the work day lunch, I realized I needed to stay focused on home made meals and watching that budget. I could not believe I was paying up to $20 for lunch. Ridiculous! As much as I enjoy eating out with the staff and co-workers, eating out will not assist with my financial goals. Having a crazy work schedule and commute, I needed to make quick and easy meals that are easy to pack. Here is how I have quickly adjusted my eating habits to save money:

  1. Invest in Tupperware you enjoy using – I used to buy random Tupperware from Safeway that did not last long (Glad or generic versions). They stained from red pasta sauce, they lost their shape, and sometimes leaked. I decided to invest in quality Tupperware such as glassware. I bought enough sizes to store leftovers, small items like a half used onion, or snacks. I love it!
  2. Organize your Tupperware – One thing that drove me crazy was having Tupperware, but never being able to find the lid that fits. I finally, pulled all Tupperware out of the pantry and threw away any plastic Tupperware that was missing a lid. I decided to buy one of those multi sized packages that comes with 20 Tupperware pieces. If you are more organized, you will be more likely to use the Tupperware and cooking will be a breeze. I now store the lids all together and stack the bottom pieces for easy grabbing and packing.
  3. Get some help – Sometimes I just don’t have time to think about what to cook! I also get sick of cooking the same old meal. I decided to run a Google search on best mobile cooking apps. I decided to download Yummly! It is pretty amazing. You list your favorite cuisines, list any allergies or foods you don’t enjoy (I listed Banana Leaves and sticky rice… just not my cup of tea!), and the app will send you a feed of endless recipes. You can also filter the feed based on the type of ingredients you want to use and how you want to cook it. Tonight, I chose Slow Cooking/Crock Pot and Chicken Breasts. The other great thing is that, you can have all of the ingredients sent to a grocery list for easy shopping! I really look forward to dinner, thanks Yummly!

I hope this helps you out with meal planning and enjoying your time in the kitchen! Let me know what you make.

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Frugal Idea #48:What To Ask Yourself Before Making A Pricey Purchase

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I started blogging about my personal financial situation almost two years ago (time sure does fly!). I was sick of being in debt, living paycheck to paycheck, and always comparing myself to others in regards to how much I should be making or how much money I should have in the bank account. I took my readers on my journey to paying off all of my consumer debt, paying off my student loans, and finding ways to live more consciously in regards to how I spend my money.

Since this journey started, I have been touched by so many people. Whether it was a co-worker who informed me that she subscribed, a new Twitter follower, and/or a new like on Facebook, I am truly grateful. I took my passion to the next level and attended my first FinCon in Charlotte, North Carolina in 2015 where I was able to meet so many like-minded individuals and was inspired by their passion. Each post I write, I only hope it touches one other person so that he or she may experience what I felt: a sense of control and a sense of peace. It is quite amazing how much your life changes once your stress levels are in control.

With that being said, I have expanded my network and want to expand yours as well. I have a guest writer for Frugal Idea #48. Her name is Stacy Miller. She wrote me an email and tweeted me that she read my blog and wanted to contribute to it. How can I say no? This can be a journey for all of us. Let us all help each other to live the life of financial freedom we all have envisioned.

Alright, Stacy….take it from here!

About Stacey Miller:

“Stacy B Miller has been working as a content developer and editor at Oak View Law Group for the last 4 years. Besides writing financial articles, she loves to cook and explore the whole world with her family.”

What To Ask Yourself Before Making A Pricey Purchase

Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like”. – Will Rogers

Nothing blows your savings faster than a large purchase. Now, the definition of a large purchase varies from a person to person. But usually, a car or a house are considered large purchases within your lifetime. They can be a great addition to your life, or perhaps a bad decision and the worst addition to your life leading to regrets. Words such as “regret car purchase” pop up in the Google or Yahoo search engine results every day. So, it is better you conduct the large purchase the right way.

But how can you possibly stay away from a financial disaster when purchasing something that costs 5 figures or more? Well, congratulate yourself! You have come to the right place. I have created a list of questions you need to ask yourself before making a large purchase. Hopefully, the answers to these questions will help to avoid a financial catastrophe.

  1. Am I stressed or depressed?

You are likely to make a big purchase when your emotions go haywire. Sorrow, depression, divorce, death can make you too emotional. When you are extremely sad, you might start feeling that a large purchase is what you need in order to reduce your emotional pain. But, you are wrong. You will regret your purchase later. So, stay away from online shopping portals and shopping malls when you are stressed or depressed.

  1. Do I want to have it even after several weeks?

Ask yourself if you want to buy and use the product in the future too. Try waiting for 7 days before making a large purchase. Give yourself some time to think. This is called the cooling-off period. If you are still obsessed with the product, then take the follow steps:

Extend the cooling-off period

Wait for discounts

If the discount appears, grab the opportunity and buy the product. This would help to protect your savings.

  1. How am I doing financially? Can I afford to buy this item?

Some bad financial habits can make you bankrupt. Again, some bad habits can leave you with a good financial health. Check your financial health and find out if you can afford to buy the item. If you want to buy a home, ask yourself if you can make a down payment and mortgage payments every month. Ask yourself how secure your job is right now. How would you make mortgage payments if your income drops? Do you have a Plan B to avoid a foreclosure or bankruptcy? Do you have a sizable savings account in your bank account? Can you save your home and take care of basic living expenses even in the worst financial scenario?

  1. Have I checked out the reviews?

Have you checked out the online reviews of the product? Do you know if the product is worth the money? What are the most common complaints about the product? What are the recurrent issues people are facing? Remember, you are going to spend a lot of money for the product. This is a large purchase. So, you should buy a product that has the best features. Check out the durability of the product and the resale price as well..

  1. Do I fancy the item or truly need it?

Ask yourself these questions.

Do I need this item?

Can I survive without it?

Is it just a luxury purchase?

If you have money and can afford a luxury purchase, grab the deal without hesitation. But if you do not have money, then just forget about it. Of course, it will take a lot of willpower. Just remind yourself, you would lose the chance of buying several other things in life just because of one large purchase. If you truly need the item, then decide why and when you need it.

Conclusion

Ask yourself the aforementioned questions before making a big purchase. The goal is to know if you truly need the item. Even if you do need the item, ask yourself about the ways to obtain it at a lower price. Answer the questions honestly because you cannot lie to yourself. Besides, you would risk your financial health in the long run. I’m sure you would never want that to happen in the future.

 

Frugal Idea #44: 16 Ways to save money going to Disneyland

Everyone knows how much I love San Francisco. However, sometimes you just need to get away! I was invited to a trip to Disneyland and I did it. I said YES to the ears! I have some friends who absolutely love Disneyland. I am talking about annual passes, Mickey Mouse themed clothing, and Facebook pictures of their selfies in front of that infamous Ferris Wheel. The last time I went to Disneyland, I do remember spending a significant amount of money, but never budgeted. The tickets were about $100, food was overpriced, and of course, we needed to pay for our hotel accommodation. It is a great place to experience the rides, meet new people, share memories with loved ones, and explore the numerous park cuisine. However, one must expect to spend quite a bit of money and possibly even go into debt for their trip. In fact, I know there are many families out there who budget for their one and only trip of the year to Disneyland. To assist everyone (including myself), I reached out to my network of Disneyland cross-eyed lovers who are (in my opinion) experts on the subject and asked one simple question: How do you save money going to Disneyland? Here are the responses!

  1. Annual passports: This is highly recommended if you plan on making a trip to Disneyland 2-3 times a year. There are three kinds: Premium, Deluxe, Southern, and Southern Select. For the Premium passport, there are no blackout dates. So, if you go every day, with the current rate, you are actually paying about $2.13 per visit! There are payment options such as monthly payment plans (you can have it automatically charged to your card of choice). Additional perks include access to California Adventure, 15% of select dining, and 20% off of merchandise. Tip: You can visit the website to review the blackout days for other plans to help you choose the best plan for you and your family!
  2. AAA Memberships: You can get discounts at Disneyland just for being a member!
  3. Military Benefits: If you qualify, you can buy up to 6 tickets at a discounted rate. My friend was able to buy 3-day park hopper tickets for $120 per ticket. You have 12 months to use your 3-day pass. Tip: During your first visit, your Military contact must be present.
  4. Brown bag it: Disneyland allows park-goers to bring your own food and water inside. Food and water can definitely add up (Water can go up to $5 per bottle and like most of us, we will travel during nice weather. Don’t forget how much walking you will do as well) Tip: Bring your own plastic water bottle to refill at water fountains. If you do purchase food, ask for a cup of ice and pour into your plastic water bottle! Tip #2: If you absolutely buy food, ask to split with a friend. (You will also save on calories as some portions are huge!)
  5. Fast Passes: If you are at Disneyland for just a day (keep in mind if you have children that you may not stay thru the night), you have to maximize your time! Can you imagine being stuck in lines and missing out on experiencing a ride due to the time if takes to wait? Here are the top rides suggested where a Fast Pass is HIGHLY recommended: Space Mountain, Splash Mountain, Indiana Jones, Haunted Mansion, & Thunder Mountain. Tip: Peter Pan’s Flight and Dumbo are very long lines. For California Adventure, Radiator Springs and Racers in Car Land are the longest lines.
  6. Hotel/Motel Stays: Try to book (in advance) a room at one of the local hotels or motels outside of the gates vs. inside the park. It is within walking distance (good exercise!) AND you can avoid paying parking lot fees. Tip: You can also walk back to your room to rest then eat at a restaurant outside the park.
  7. Time is Money: Don’t spend time purchasing a ticket at the entrance booths. Research and purchase online prior to visiting!
  8. Sharing is Caring: Experience Disneyland with friends and/or family and share the memories! As a group, all can agree to share costs to hotel and even split meals. If everyone you care about goes with you, less souvenirs to buy!
  9. Visit During Off Peak Times: Try going off-season or weekday. Weekends and holidays are typically busier and more expensive.
  10. Give Gifts: If you are going with children, try going to Target or a Dollar Store to buy Disney toys prior to your trip. Wrap them up and give to your children as gifts when they see all of the enticing toys and gifts available at the park stores. This should help with impulse purchases that are marked up greatly. If you do want your child to pick their own toys/gifts during the trip, teach him/her that she can purchase one toy per day and give a budget. My friend allows her child a budget for toys of $20 per day.
  11. Coffee Pick Me Ups: If you keep the coffee cup your purchased, you can obtain free refills.
  12. Free Buttons: Visit City Hall/Visitors Center as you can obtain free buttons. These can be excellent souvenirs to give!
  13. Plan ahead: You know you are going to Disneyland. Why not save and budget for the trip months ahead? Be realistic about your expenditures – clothes, Mickey Ears, food, etc.
  14. Think twice: When you have a $30 shirt in your hand, think twice. Will you wear this more than once? Will you love this once you return home?
  15. Sunscreen and Toiletries: Do not forget to bring your own items. Jot down your list of must haves: wet wipes, sunscreen, hand sanitizer, etc. You don’t want to buy these items Disneyland!
  16. Last Tip: As my friend texted me: “Don’t Go!” I laughed out loud when I read this. Then I realized that this has a lot of truth. If you are in a lot of debt, living paycheck to paycheck, and if the trip will bring you temporary happiness and then a reality check of additional debt you have accrued, you might want to say NO to the ears. Save up so you can enjoy the trip worry free!

I hope these tips help. I am going to Disneyland’s Halloween party. I will be dressed as Peter Pan. Searching for my green tights…

Special shout out to the contributors: B.N., J.V., R.A., L.A., S.L., G.K.

Thank you for your support!

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Frugal Idea #43: 15%

It has been about two months since I was able to make my last student loan payment which has allowed me to become 100% debt free. Now that the worry of debt is no longer on my shoulders, I have been able to put energy towards other aspects of my life such as my full-time job, focusing on cleaning the apartment to become even more minimal, and future endeavors. Despite striving towards a minimal lifestyle, there are some household items I really do want to upgrade. For example, I can not stand looking at my toilet seat cover! It was a beautiful dark gray when originally purchased, but I see the colors fading away. Now, it is a mediocre gray. I also want a new mattress and new laptop. Luckily, I have a new-found discipline that allows me to tell myself to be patient and wait until I can save for the total cost. I also need to buy a new car soon (190k miles, baby!). After all of the internal debate of what to buy next, I am training myself to always think long term. My long term financial goal is simple: retire early.

Well, what is retiring early? I had a lot of questions to ask:

  • What is considered early retirement?
  • How much do I need to retire?
  • Am I on track to early retirement?
  • What are my retirement savings plan options to build a nest egg?

As you can see, I have a lot to figure out. I currently am saving 10% of my income into a retirement account, but lately, I have been reading and hearing about saving 15% of your income if you really want to achieve freedom at an older age.

I am now ready to make that percentage increase! I actually am not worried about it as I utilize my Every Dollar Budgeting tool almost daily now, I have been more conscious of how every dollar is spent. I also visited this website to see if I am on track: RIQ. RIQ is your Retirement IQ. Depending on your contribution amount and rate of return, you can determine how much you might make by a certain age. I have always wanted to become a millionaire and it looks like it will be possible! Well, in 25-30 more years. Then there is that lingering question, will $1 million even be enough 25-30 years from now?

If you have any tips on steps towards retirement, let’s chat!

Frugal Idea #42: Yoga To The People

Happy Sunday! As some of you might have read recently, I paid off my student loan and I am now 100% debt free (Link: Frugal Idea #41: Countdown – 3,2,1, “I’m debt FREEEEE!”.) It has been surreal and loving it. I am now focusing on my budget towards a down payment, a vacation, savings, a car (I have 187k miles on my current car and I need to save now in order to pay in full and all in cash for the next car), & a laptop (so I can keep blogging!). Everydollar.com has been wonderful. For July, I was under budget! Woo Hoo! (Link: Frugal Idea #40: EveryDollar.com.) 

To maintain a debt free lifestyle, I need to continue living below my means. This includes taking advantage of local and free events/services. A huge inspiration for me this year to clear my mind, maintain a healthy body, and channel focus has been to practice Yoga. It started with a bit of bravery to try out a class for the first time and a few stumbles on the poses.  I instantly fell in love with Yoga.

Taking classes can definitely add up in costs. I was introduced to a donation based class available in San Francisco’s Mission District! The organization is called Yoga To The People and there are locations in New York, Seattle, Berkeley, and of course, San Francisco. You can donate what you can afford and participate in a one hour Yoga class. This is a great service! Does anyone want to attend with me?

Visit Yoga To The People’s website at http://yogatothepeople.com

As mentioned on their site: Yoga is meant to help strengthen and stretch your arms and legs, not cost you one!

Yoga To The People

Frugal Idea #41: Countdown – 3,2,1, “I’m debt FREEEEE!”

Hi All! I have some exciting news to announce. I just made my LAST payment towards my student loan and now I am 100% debt free! My heart was racing as I hit the “submit” button. I was near tears achieving this huge accomplishment. 10 years ago, I graduated college with about $59k in debt. How did I get myself into that mess? I was financially irresponsible, lived off of credit cards, and was eager to please everyone out there. At 24, I graduated college with a $21k student loan, had about $10k in credit card debt (that grew to $20k of course), and purchased a brand new car at about $16k. The shame I had really affected my work, my relationships, and my self esteem. I was secretly angry inside and really wanted to blame anyone except myself. Who would have guessed that walking into a thrift store and picking up a used book titled, “The Courage to be Rich” by Suze Orman would be the start of my personal journey towards financial freedom.

Here are some of the changes I made in my life to pay off this huge debt. Along the journey towards financial freedom, I was still able to vacation, go to nice dinners, and buy gifts for those I care about, but I saved for it instead. It took small baby steps to get to where I wanted to be, but of course, the first step was always the hardest. I write this to inspire others in their own journey to financial freedom. Whatever you want to achieve, you can do it! 

How I paid off $59k!

1) Give yourself a raise. Work hard for the promotion or find a company that  will value you. I decided to study sales and gave myself a raise. I never thought I would work in sales with a commission structure, but I loved and still love being in control of what I can make. There is no cap on earnings. Any successful bonus I earned in sales went towards debt. I also lived below my means. I never banked on the commission. Through hard work, I was able to receive multiple promotions and helped increase salary.

2) I stopped shopping for new clothes (for a while). When I was ready to buy new clothes again, I had a budget and patience. Everything was calculated.

3) I stopped eating out too much. I had a period of time that I only allowed myself to eat out when it was a special occasion – birthdays, etc. I said no to dinners I knew that would have a complicated situation when it came time to pay and the group was too large. For some reason, I always lost money that way. I ordered water!

4) I stopped drinking too much. I would spend $100 a night drinking out. That really had to stop.

5) I started taking the bus and trains more. Once I paid off my car, I really wanted this car to last. I currently am at 187k miles and loving it!

6) I took care of my car. I was on time for oil changes and maintenance.

7) I used coupons

8) Since I loved eating out, I watched Youtube videos on how to cook my favorite dishes and made it at home with less ingredients.

9) I never cut my budget for groceries. I eat and snack a lot, so I need to have food available. I also like eating a variety of items. When I limited my groceries, I found myself being unhappy and eating out any way. Best to buy what you want, when you want it. Yes, buy that nicer cut of steak when you want it. I guarantee it is cheaper to cook at home than to eat out!

10) Downgrade. Example, order a small coffee vs. your medium or large.

11) Say no to activities you really don’t want to do!

12) Write down everything you owe and get angry! Get angry at the credit card companies who have high interest rates. Pay the card with the highest interest rate first!

13) Do side jobs and sell your items. I’ve sold clothes, ran errands, and did taste tests. Anything to earn extra money. I did not spend it. I put it towards debt.

14) Be honest with family. I no longer wanted to buy gifts for adults in the family. Just the kids.

15) Study. I watched YouTube videos, listened to Podcasts, read every article and book I could about personal finance.

16) Manifest. Believe, believe, believe. Surround yourself with like minded people.

17) Avoid high spenders! Never let anyone distract you from your goals!

18) Take control. When I noticed the debt started dwindling, the car was paid off, and my emergency savings started to increase, I took notice of the new offers I obtained with transferring balances or taking out personal loans at 0%. I also became more savvy with investments and even switched to a HSA account. Know where your money is going to.

19) Gratitude. Be thankful for your life and what you own. There are those with less. When you appreciate what you have, you no longer have the need to search elsewhere.

20) Own it. I am frugal and I am proud of it. Being Frugal has taken me to new places in my life and I am forever thankful.

I hope this helps you out! As Dave Ramsey says: “Debt is dumb, cash is king, and the paid off home mortgage has taken the place of the BMW as the status symbol of choice.” Exactly how I feel!

… and for those who are curious about my current goals: To become a millionaire, save for a down payment for a home in San Francisco, and increase my net worth. Happy saving!

With Love and gratitude,

Frugal Nev

Your support is appreciated! If you would like to donate towards website maintenance, upgrades, and future endeavors, please click below!

Frugal Idea #40: EveryDollar.com

I have been obsessed with The Dave Ramsey Podcast. I listen to him on the way to work, when I am riding the MUNI, and when I walk around San Francisco. For the past few years, I have had a mediocre budgeting plan that consisted of a spiral notebook and a pen. Halfway through the month, I gave up writing down all of the items I purchased , but I at least knew a general amount of what I should not go over. Thanks to a few listens to Dave’s show, I have discovered EveryDollar.com! This budgeting tool has really changed my view on my spending and now I am obsessed. I now have budgets started all the way thru December. The great thing is you can also download the App onto your phone & plug in the dollar amount every time you spend. I just bought a Strawberry drink from the local Taqueria and I was able to sip the cool, refreshing drink while plugging in $2.45 into the App. Yes, I am still in budget for my “restaurant” category. Give it a try!

http://EveryDollar.com

Frugal Idea #35: Decisions

Readers, I am sorry for being MIA! Here are a few exciting news I want to share:

1) I received a promotion at work! Hence, the reason why I could not write as much. I finally feel in control, so I am back.

2) Besides my student loan, I am 100% debt free! I should be able to pay off my student loan by this year. (Fingers Crossed)

Although I was very busy this past month, I was fortunate enough to have several people approach me about my blog. They shared stories about their current situation. Some were deep in debt or filed bankruptcy, some were interested in investing, and some wanted to be more minimal. It reminded me that with sharing your truths, you inspire others to share their truths. I made a decision to stay focused on my financial goals. Some decisions I have recently made:

  • I may have received a promotion with some nice financial gains, but I have learned, just because you make more, does not give you the right to spend more. Decision: Pay off all debt, save, and invest!
  • I am still going to save at least 20% of my pay to put towards a down payment on a dream home in San Francisco (no, I will not settle to live outside of this fabulous city!). Decision: Always think long term.
  • I will write a list of big ticket items I want to upgrade around the apartment. I will only buy if I have enough to pay in full. Items I have currently listed include a new mattress, bed frame, and a couch (my cat has scratched this current one well). Spend wisely and be thankful for what you have. Decision: upgrade your items when the time is right so you can allow new and positive gifts into your life.
  • I have about 180k miles on my Mazda3. It may be time for a new car this year. I want to challenge myself to at least pay half in cash. That would be amazing! Decision: Use items to their maximum capacity.
  • I will aggressively pay off my student loan. Once I do that, I can aggressively learn more about investing in Stocks. Decision: Learning is everything.
  • I want to continue inspiring others, so I will still share knowledge if and when I can. Decision: Carry others and let others carry you when you need them.

I made a decision to still believe that what you put out in the universe through words and actions, the universe will return your thoughts and actions back to you in forms of gifts. Be open to receiving. Since my financial journey started, I have received more than I can ask for and expect more to come. What decisions have you made so far this year?

Frugal Idea #31: Retirement, where do you stand?

While watching The Walking Dead, I ran across this page. 

I was a little worried about not being on track with my peers in regards to saving up in a retirement account. Do I have enough? Should I increase my contributions? You can check out your status in comparison to your age group and/or zip code. Check it out:

How do I compare?

If you are behind schedule to hit your financial goals, take the next step and change your plan in 2015! It is never too late.

Retirement Ahead!

About the Blogger:

VegasTrip

Neville (Nev) Bendiola grew up in the Mission District of San Francisco, California until the age of 10 before relocating to Sacramento, CA.  Growing up in a low income family, he slept on the floor most of his young life until he got his own twin size bed at the age of 10 – a memory he will always remember. Nev relocated back to San Francisco for college where he continued on in a career in Staffing Sales and Recruiting. Achieving financial success, he spent more than he earned using credit cards along the way. He found himself  carrying debt through the recent recession. Inspired by friends and reading success stories online, Nev moved into a Studio apartment in San Francisco’s Tenderloin district where he minimized his spending and material items. He is currently focused on saving money and sharing the ride with his readers along his journey to financial freedom.

Contact: frugalnev@gmail.com

Twitter: NEVBB

Facebook: facebook.com/frugalnev