Save Your Money

Save Your Money: this simple idea is the foundation of personal finance

Save Your Money

Arguably the foundation of all things personal finance is this very simple idea: save your money.

Nothing else is possible if you aren't able to do this one thing. If you can't save your money then you'll have no money to invest or to pay down debt.

The Foundation of FIRE

So if this idea is the foundation FIRE and it's simple to understand, then why is it so difficult for so many to save your money?

Most people are unable to save because of two reasons:

They don't make enough money
They spend too much of the money they make

How You Can Save Your Money

Thankfully the solutions to both of these problems are also quite simple. If you don't earn enough money to save, then you need to find a way to make more money.

If you are spending so much of your money that there isn't enough left for you to save, then you need to cut back your spending and possibly deflate your lifestyle.

Easier Said Than Done

The answers are simple, but actually following through is much more complex. We get that and somewhere on this website is an article that most likely addresses the complex issues that you're facing.

Browse around this site and find that article the get started strengthening your financial foundation.

Going Broke From Eating Out

March 11, 2017 By Ty Roberts 25 Comments
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The three biggest expenses in most budgets are housing, food, and transportation. I feel like I’ve got a good handle on our housing and on transportation as well. But sometimes (like monthly) it feels like I’m going broke from eating out. Restaurants do some serious damage to my budget and from what I read on Twitter and other personal finance blogs, lots of you feel like you spend too much money eating out as well.

Oddly enough, it took figuring out how much money I was spending at the grocery store to finally motivate me to change my dining out habits.

Keep The Money You Make

January 24, 2017 By Ty Roberts 11 Comments
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Money is amazing!

I mean, it must be right? Think about all the things people are willing to do just to earn a buck (and I’m not talking about anything crazy, drastic, or illegal). I’m talking about the crap EVERYBODY does just so we can earn a few bucks.

We’re willing to endure long commutes and sit in traffic jams five days a week, morning and evening for money. We willingly leave our loved ones behind and spend the majority of our waking hours with coworkers and strangers, many whom we don’t even care all that much for. We dedicate the very best years of our lives to our jobs, which is the source of our money. In this life all we have is time, and we all seem to be more than willing to trade that time for money.

Like I said, money must be freaking amazing if we’re will to give up so much just so that we can get our hands on a bit of the stuff when payday rolls around.

A Motto for Your Budget & Life: Leave It Better Than You Found It

January 17, 2017 By Ty Roberts 17 Comments
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I grew up hanging drywall for my dad’s company, which was very small – just him and his four sons. On nearly every job site I ever stepped foot on I usually heard something like this: “Alright boys, let’s leave the place better than we found it.”

While this was an adage he used for his business, it can easily be applied to our daily lives, and everything else we do as well: leave it better than you found it. That’s how to improve your finances.

How We Manage As A One Car Family Of Six

November 5, 2016 By Ty Roberts 18 Comments
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I’m A Car Guy

I love cars.

I got my first car when I was 15 years old. It was a 1972 Dodge Demon; Hemi Orange. I got my driver license on my sixteenth birthday – it’s all I wanted. I was a car salesmen when my wife and I got married nearly eighteen years ago.

The Many CycleLogical Benefits of Riding a Bike

October 18, 2016 By Ty Roberts 25 Comments
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Before I begin, let me apologize to my non-American readers. This Cyclelogical post uses statistics and numbers that are US-based. That said, don’t let that take away from the overall message of this post which is this: riding a bike is good for you in almost every conceivable way.