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Last year’s food budget.
Budget surprise. I logged on to Mint earlier today at work, and found myself playing around in the “Trends” section. I’ve had an account for a while now, so I thought it would be a good idea to see...
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The Moneyseed 7 year plan
The current situation My wife and I currently work in an industry foreign to most: the military. It’s a completely different type of work environment than most people would expect. The military, in...
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Living on less: Cutting the cord
Cutting the cord. It’s time to get serious about spending less, and saving more. Take a look at your monthly expenses. Hopefully, you have less money going out than coming in, but for now it’s okay if...
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New car fever
The status quo Next time you are out driving around town take notice of what vehicles other people are operating. Odds are you’re going to see a lot of shiny new cars and trucks that are probably less...
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Become a big picture thinker
The original big picture thinker The idea of saving money isn’t a new concept by any means. Back in the 17th century there was an expression that sounded something like: A penny spar’d is twice got. In...
View ArticleLowering the grocery bill
An expense we can control Some line items in our monthly budget are non-negotiable: mortgage, child care, insurance, among others. We have little to no control over these costs, as they are fixed, or...
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Two events for the price of one
Two years. Two weddings. When my wife and I decided we were going to get married we knew that we wanted to have a wedding ceremony where our families could attend. However, it wasn’t a viable option at...
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The Betterment Project
Hello everyone, this is Mrs. Moneyseed, welcome to my debut post! First, a little insight into my knowledge of investing, or rather, lack there of. I am in every sense of the word, a beginner. I also...
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The first 5 costs worth avoiding
This post was originally going to cover 10 areas where you could save money in everyday life, but after I began brainstorming, I realized that the list needed to be much much longer. And each item...
View ArticleReducing the cost of commuting by moving
If you haven’t already, please add @JohnnyMoneyseed on Twitter. Thanks! We live roughly 11 miles from work. Luckily, the Mrs. and I, work in extreme close proximity to each other, so we can share a...
View ArticleThe Neglected “Secret” to Becoming Rich
I guess I wasn’t paying too much attention early on in my life, because I had no idea that middle class families actually struggled until I started my own. I’m not saying that my family didn’t struggle...
View ArticleWould your rather work 1920 hours per year or 8?
Preface by J. L. Moneyseed: When I thought to myself, “if I could have any other Financial Independence blogger do a guest post for my site, who would it be?” I really didn’t have to look very far, as...
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Having a high income doesn’t make you “rich”
Poor Hulk Hogan (literally) One thing that drives me absolutely mental is the current American cultural definition of the word “rich”. Back in the day if you were rich you owned cities, or huge areas...
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You really, really can save money. Here’s how. Part 1.
Yeah.. I’m talking to you! We all know by now that the only reason that we aren’t all rich is because most people spend more money than they make. Since you’re reading a personal finance blog, and I’m...
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Avoid the urge to splurge on a new car
Back in 2008 I made the shittiest financial decision of my entire life. I bought a brand new car. Gasp! No big deal right? Wrong. Not only was buying a new car a terrible idea, I also had pretty...
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You can’t save money when you’re spending.
Anybody that knows me — either through this site, or in real life — knows that I love to save money. I think it’s one of the best feelings in the world to know that I have a stash of cash at my...
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Debt-free? Don’t get complacent!
I love when I hear success stories about normal people paying off their Debt. It proves that you don’t need to be a millionaire, a financial genius or even a Johnny Moneyseed to make financial dreams...
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Republic Wireless – $19 a month cell service
With the smartphone world being dominated by Samsung, Apple and the comm-nexus that is Verzion, ATT, T-Mobile and Sprint (er.. Softbank?); there’s barely any reason — or way — to try to move to a...
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Do Real people care about Financial Independence?
When you take a hiatus from work and “real life” — no matter how brief — you’ll feel great. You’ll feel refreshed, recharged and you may even re-obtain a tiny shard of your long-lost soul. Then, you go...
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How a smaller house saves us $16,500 a year
When I started this blog back in January of this year, I had the intention to retire within the next 7 years (6.25 now, but who’s counting?). I had done my homework, and realized that saving x amount...
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