Charlie writes in (this is an excerpt, because the full story is quite long): What I finally realized is that I usually buy stuff because it makes me feel like this is all worth it for a while, that all the work I’m doing isn’t just going to feed Uncle Sam and to keep a roof over my head and cheap food on the table. But then I get the bills and I feel even worse than I did before. The ups and downs of buying stuff (up) and then seeing the new wear off and facing the bills (down) is a rollercoaster, but at least it’s better than the mundane shuffle through life of just paying the mortgage and going to the grocery store and going to work over and over and over again. A completely frugal life is the most mundane thing I can imagine. I think you’re going about this from completely the wrong perspective, Charlie. First of all, frugality is not about giving up the things that bring you joy in life. It’s about figuring out what actually does bring you joy in life and accentuating that, then cutting back sharply on the things that don’t matter as much to you. For example, if you don’t watch much television, a frugal decision would be to get rid of your cable box and just use the over-the-air signals – or, perhaps, selling your television off entirely. A key part of that statement – perhaps the key part – is the if you don’t watch much television part. If you do enjoy television and you watch it multiple hours per day, then you shouldn’t cut back on it.

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Escaping the Mundane

Many newer readers of The Simple Dollar haven’t been exposed to the hundreds of great articles in the archives of the site, so this is a weekly series that highlights the five best posts from one year ago this week, two years ago this week, and three years ago this week. I call it … the Time Machine. One Year Ago (July 25 – July 31, 2009) Does Earning More Trump Frugality? To me, it’s kind of like asking if you still need a hammer after you buy a chainsaw. They’re both useful tools for getting the job done that can be used in concert for some amazing things. Makers and Managers: What You Are, and How It Can Help Your Career I am 100% a maker. I do not like being a manager – at all. This fact actually explains a lot about my career path and the directions it has taken over the years. John’s “Campground” – Some Thoughts on Investing with Added Personal Value John is investing his money in land – and, eventually, into the structures he’ll build on that land. He enjoys the process deeply and will someday have a great deal of financial value there. Passion by the Hour In my eyes, the things you’re passionate about are the things that you can dump tons of time into while still deeply enjoying yourself. If you can channel that into earning income in some way, you’re far ahead of the career game. Rule #7: Watch Your Progress – But Make It Fun. While keeping track of your progress towards big goals can be really empowering, it can also feel like drudgery

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The Simple Dollar Time Machine: July 31, 2010

Many newer readers of The Simple Dollar haven’t been exposed to the hundreds of great articles in the archives of the site, so this is a weekly series that highlights the five best posts from one year ago this week, two years ago this week, and three years ago this week. I call it … the Time Machine. One Year Ago (July 25 – July 31, 2009) Does Earning More Trump Frugality? To me, it’s kind of like asking if you still need a hammer after you buy a chainsaw. They’re both useful tools for getting the job done that can be used in concert for some amazing things. Makers and Managers: What You Are, and How It Can Help Your Career I am 100% a maker. I do not like being a manager – at all. This fact actually explains a lot about my career path and the directions it has taken over the years. John’s “Campground” – Some Thoughts on Investing with Added Personal Value John is investing his money in land – and, eventually, into the structures he’ll build on that land. He enjoys the process deeply and will someday have a great deal of financial value there. Passion by the Hour In my eyes, the things you’re passionate about are the things that you can dump tons of time into while still deeply enjoying yourself. If you can channel that into earning income in some way, you’re far ahead of the career game. Rule #7: Watch Your Progress – But Make It Fun. While keeping track of your progress towards big goals can be really empowering, it can also feel like drudgery. The best way is to keep your end goal in mind and recognize that you really are taking steps that will get you to where you want to be. Two Years Ago (July 25 – July 31, 2008) Some Thoughts on Being Broke and Being Poor I don’t address poverty on The Simple Dollar. I do address the state of being broke, which is more of a state of resource mismanagement than a lack of resources

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The Simple Dollar Time Machine: July 31, 2010

Many individuals who are having trouble financially often turn to debt consolidation companies for professional help. These companies will assess each individual’s financial situation, create monthly payment plans that will work for them and help them pay off creditors faster.

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Does Christian Debt Consolidation Program Make a Difference?

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Many individuals who are having trouble financially often turn to debt consolidation companies for professional help. These companies will assess each individual’s financial situation, create monthly payment plans that will work for them and help them pay off creditors faster.

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Does Christian Debt Consolidation Program Make a Difference?

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If you’re personal debt load seems like a storyline out of the Mission Impossible series then you need to do something about that right here and now. We may joke about the seemingly impossible amounts of personal debt but this is a very serious matter and one that requires the assistance of a debt consolidation professional. The world of credit cards and everything plastic has taken over the Old Guard of Cash is King and this has left many individuals and families in quite a sticky predicament.

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Mission Possible - Debt Consolidation to the Rescue

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If you’re personal debt load seems like a storyline out of the Mission Impossible series then you need to do something about that right here and now. We may joke about the seemingly impossible amounts of personal debt but this is a very serious matter and one that requires the assistance of a debt consolidation professional. The world of credit cards and everything plastic has taken over the Old Guard of Cash is King and this has left many individuals and families in quite a sticky predicament.

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Mission Possible - Debt Consolidation to the Rescue

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This is only one of the benefits and goals of a debt consolidation loan as a new life awaits you at the very end of this journey. The economy of 2010 inasmuch is a financial nightmare for…

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New Life With Debt Consolidation

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This is only one of the benefits and goals of a debt consolidation loan as a new life awaits you at the very end of this journey. The economy of 2010 inasmuch is a financial nightmare for…

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New Life With Debt Consolidation

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If you are trying to arrange an auto loan, there are some things you must do to make sure you are getting the best deal possible. Your financial institution could be a starting point for you to do your research but many are going online to find the auto loan that best fits their needs. Regardless of where you find the perfect lender, make sure you follow these steps to ensure they are the right one for you.

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Auto Loans - Get the Best on Your Next One

Your car may be getting to the end of its useful life and you may be facing the task of looking around for some car credit to fund a new one. Why bother? Doing without a car in today’s world may not be easy.

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Car Credit With Credit History Issues

The ability to create a plan and map out your journey from debt to financial recovery is a very important fact of life. The best way to go about starting and pre-planning a debt consolidation…

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How to Set Up a Debt Consolidation Loan

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The ability to create a plan and map out your journey from debt to financial recovery is a very important fact of life. The best way to go about starting and pre-planning a debt consolidation…

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How to Set Up a Debt Consolidation Loan

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The term mortgage is basically keeping a property as a security for repayment of loan not paid. The property you decide to mortgage will be likely to be confiscated if you fail to make the repayment of loan. There are different mortgage rates in different places, depending on the location.

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Get Information on Mortgage Rates Online

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The term mortgage is basically keeping a property as a security for repayment of loan not paid. The property you decide to mortgage will be likely to be confiscated if you fail to make the repayment of loan. There are different mortgage rates in different places, depending on the location.

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Get Information on Mortgage Rates Online

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