Small Habits That Define a Frugal Lifestyle Frugalitarians follow many small habits every day. Some of these habits may not save a lot of money. To others, they may even seem silly or time-consuming. However, these choices show creativity and a strong desire to reduce waste. Living frugally often means thinking twice before throwing something […]

Cash vs Credit Cards: What Really Controls Your Spending? Whether you follow Dave Ramsey or you are trying to recover from past money mistakes, one truth remains the same: credit cards often encourage people to spend more than they planned. By the time someone reaches this discussion, they usually understand how important budgeting is. A […]

A few days ago, I had lunch with an individual who is considering hiring me to give a multi-hour seminar to a business convention on personal finance. This person knows me from the local community and is a reader of The Simple Dollar and he felt that I might be the right person to give […]