A Frugal Year Of Living Changed Our Future


We started on our FIRE journey one year ago this month. Since then, we have paid off thousands of dollars in credit card and student loan debt and invested many more thousands in retirement accounts and a personal taxable account. How did we do this? We buckled down, threw our budget out the window and spent on only things that were valuable to us, ate a lot more meals at home, and adjusted our entertainment monies down to almost nothing. I even started making my own coffee at home…GASP.Continue Reading


How To Get A Raise In 15 Minutes


It’s true, we gave ourselves a $400/month raise in 15 minutes.  The easiest and fastest route to a raise is to trim your expenses.  Granted, half of that money was just because we got married.  Go figure.  Somehow, we have to pay LESS taxes now that we’re legally coupled.  We’ll take it.  The other $200/month was by simply trimming unecessary expenses from our bottom line.  I’m willing to bet you could trim a few items from your bottom line, too!Continue Reading

How To Become A Super Saver In 2016


HAPPY NEW YEAR!  No doubt you’re seeking areas of your life to improve during 2016.  Am I right, or am I right?  :)  The first post of 2016 here at Mad Money Monster is going to explain how some people have become Super Savers.  Super Saver is a term that describes someone who is fanatical about saving the money they earn.  In preparing for this post, I was scouring the web to determine the exact savings rate it takes to be considered a Super Saver.  I was unable to find an exact percentage; but, it’s pretty clear that some of these so-called Super Savers are stockpiling 50%, 60%, 70%+ of their TAKE-HOME pay.  Yes, you read that right.  They’re saving upwards of 70% of their pay AFTER taxes and AFTER retirement contributions!  I know it sounds extreme, but so does retiring decades before the traditional model tells us we can.  If you’re looking to shake things up in the new year, read on…Continue Reading

End Of Year Eclectic Compilation


We would like to thank all of our readers for making our personal finance blogging experience AWESOME.  We’re impressed at how quickly we have grown after only starting our online presence in late September of this year.  And for that, WE thank YOU!  To round out our year-o-frugality, we’d like to give you the gift of our very best posts since September!  We’d also like to encourage you to tell us what your best financial post was this year!  And if you prefer reading to writing, tell us which personal finance blog ranks highest on your 2015 reading list!  Go!Continue Reading

My Single Biggest Financial Mistake: A Decade-Long Disaster


Let me tell you a story.  Long, long ago, in a town just down the road, I was born into a lower-income family with parents who never graduated high school.  Although, we were immaculate and well taken care of, we lived

House 2

Humble Beginnings

quite modestly in our tiny house (actually a trailer, but tiny house sounds trendy and cool!) and I never wanted for anything…except a big, suburban house and a ton of cash in the bank :)  Other than material things, however, my childhood was perfect.  Really!  Then one day, I decided I could actually go to college and get an education and get on the path to the big, suburban pie in the sky!  I did just that.  I hit that goal before I was 30 years old, too.  Before turning 30, I was living the American Consumerism Dream.  I was engaged, we had the new, big house with an in-ground pool, and together we earned $200k/year.  Not too shabby for such humble beginnings, eh?  Continue Reading