Monday, December 1, 2014

Step 12 -



12. Having had a job loss, a pay cut, or an abundant of bills, as a result of keeping up with the Joneses - or bad decisions - we tried to carry this message to neighbors, family, bloggers, friends of bloggers and their friends friends, etc, and to anyone else who will listen, to practice these cheap lessons in all our affairs.

Most of us, are a paycheck or two of total financial ruin. It used to be our parents held their jobs for 30 years - then retired. That is not going to be the case for us. There is so much uncertainty - There is no such thing as  job security anymore and believe me, everyone can be replaced. 

By now, you've reached a point of freedom. It still is work and discipline but you can do it and now you actually like living this life. It has more purpose -

So share your good news - and enjoy your life.


Saturday, November 1, 2014

Step 11 - forever embracing a budget




11. Sought through prayer and meditation and an occasional drink,  the fortitude to continue to improve our cheap skills and frugality and forever embracing a budget.

Yes you heard me.  An occasional drink won't hurt you. Or a glass of wine.  At the end of a day - well spent in frugality, you can reward yourself. 

Prayer and meditation and some chocolate is helpful for those who do not partake in "the drink".  

Read books, join frugal living forums, and keep educating yourself.