Initial Reactions: That Price Tag Scares Me I recently finished my free 34-day trial with YNAB. One of YNAB’s differentiating features is standing out from other free trials. YNAB allows new users to try the software for a full month (not just 30 days) plus a little extra. Just one of the few things that set YNAB apart from other software and budgeting tools.  Although I knew of the free trial, I was still skeptical about spending time using a budgeting software I might like and having to pay for it. For those who follow me or know my story, know that I am not a high income earlier. I have to be mindful of every dollar coming in and going out.  A friend of mine from our local independence group swears by YNAB and has been using the software for years. He’s recommended it to me on numerous occasions,…

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Black and White Change Jars

Sometimes the cheapest option isn’t always the best. This can be especially true if you are working with a lower or middle level of income. In fact, as I work on my financial independence journey I find myself spending more money on fewer items. Moving towards purposeful minimalism because I want less waste, higher quality, more freedom, and less clutter. I want to be able to pack up and go if I want to. I find myself looking for more items that serve multiple purposes.  The 3 options: Budget, Midline, & High Quality + Value For Price  I got this idea from Building a PC for Dummies by Mark Chambers. Mark breaks down 3 possible types of computers to build based on your wants and needs. There is the bare bones (budget) computer that is enough for basic computing, spreadsheets, internet surfing, etc. Next is the “Richie Cunningham” I believe…

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Person working at computer with meal prep container holding fruit

I stumbled across Accidental Fire’s article “My Financial Independence Diet” and decided to share my FI diet as well. We have very similar viewpoints and commonalities that helped us both lose over 50 lbs. I’ve been seeing a lot of mention of those on the personal finance side of Twitter changing up their diets and wanted to share things that have helped me in my journey to financial independence and a healthier lifestyle. Cost of Food at The Cost of Your Health? I always cringe when I see someone sharing an article of “50 ways to save on groceries.” Well, you can have a “ramen” budget that comes at the cost of a “champagne” healthcare expense budget (most likely). Like Accidental Fire, I “try” not to be dogmatic, but most of us know what is unhealthy but continue to eat it. But this isn’t about shaming those who do. If…

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