Crisp Retirement

A clean path to early retirement and financial freedom through common sense.

Category: Saving Money

The Acorns App Doesn’t Make Sense for Me

I have a few financial apps on my phone that I like and use regularly, but there are others that I don’t understand. Acorns fits into the second category. I’ve seen it recommended by some people, but it really doesn’t make much sense for me. I’ll be upfront about why I’m not a big fan:

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The Mighty Saving Power of the Word “No”

Mighty NoThis single word can be super powerful at saving you money. Maybe it doesn’t always have to be “no” exactly, but something with a similar effect. However, this doesn’t need to be taken to an extreme – life isn’t exactly fun if you just say no to everything! It all comes down to turning down things you don’t need, or won’t add anything to your life.

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Don’t Blindly Contribute to a Roth

People planning for retirement will often put money into a Roth IRA or Roth 401K account, but that may not always make sense. This applies to  both normal and early retirement. Everybody has different situations, so it is important to consider tax implications before blindly contributing to a Roth account.

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Fix your Broken Resolutions

fail_resolutionsWe are several weeks into the New Year and chances are that you made some resolutions. There is also a good chance that you’ve already broken a resolution. Don’t worry though! Just because a resolution is broken doesn’t mean you can’t get back on track! This is certainly true for financial resolutions.

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Save Money – Drive like a Sane Person

car_skidI follow pretty much all of the opinions I share on this blog. This is one that I’m not so great at – at least when it comes to speeding, but I have gotten better! Slowing myself down by just 5mph took some effort, but it has paid off. Driving less aggressively and slowing down a little bit can pay off for you too if you’re anything like me!

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Spend less or Earn more?

Meet Bill and Suzie. They’ve decided that it would be good to double the amount they contribute to their 401K’s so they can retire earlier. They have a question though: “Should we try to spend less or try to earn more?”

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Skip the Expensive Airport Lots

aircraft_fly_sky_flyerThe last time you went to an airport, did you consider the costs of using airport parking? I think about it when I travel, but I have a suspicion that a lot of people don’t. That’s because I have seen how many people park at expensive airport lots.

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Getting Rich: It takes both Math and Attitude

math_attitudePeople don’t just get rich with magic. People typically get rich by investing their money wisely. Saving and investing wisely is a surefire way for you to get rich too! Sure, a very small amount get rich by chance, but it is a terrible plan to think you’ll just get rich by random chance. Math can tell you what you need to do to get rich, but your attitude is necessary to act on it.

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5 Tips to Save Money by Wasting Less Food

Don't waste your food and money!

Don’t waste your food and money!

Want to know a good way to cut your grocery bill? One really good way is to just quit wasting food! A staggering 25% of food purchased by American households gets wasted. This number is staggering to me because this much waste in food means a lot of wasted money too! You are literally just throwing your money away when you waste food!

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