Financial Independence when you are Poor

Tips for financial independence

When you are living in the trenches of paycheck to paycheck, financial independence can feel like an impossible goal.  Every time I read an article about how many millions you need to retire, I have a panic attack.  How will we ever save that much?  I wonder. I’m not sure if we will ever be millionaires, but even at our lowest…

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Our Christmas budget strategy for saving

How to save during the holidays

Typically, our whole Christmas budget is around $500.  This year, our budget is a little smaller.  We weren’t able to make regular contributions to our holiday gift fund due to job instability and our house fire in the spring.  Our entire Christmas budget this year is about $300 .  That doesn’t seem like much, but we’re starting early and we…

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