It takes some serious willpower to forgo instant gratification for a long term reward. Saving money is hard enough. But when you’re surrounded by reckless spenders, the task becomes even tougher.  Whilst you’re updating your budget spreadsheet, trying out different investing courses to become more financially stable, and generally fighting the urge to spend money recklessly, your friends are living their best lives, burning through money like there’s no tomorrow and giving you a serious case of FOMO.  What can you do to avoid the temptation of a big night out or a fancy dinner? Firstly, if it’s at all…

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Every big life change starts with hope, inspiration, and a little desperation. It ends with the formation of new and improved habits. The bridge from hope to habit is motivation. How to stay motivated when paying off debt is as important a topic to cover as how to save and make money. Motivation is defined as the reason a person has for acting in a particular way. It’s a common misconception that motivation is what causes us to start behaving in a certain way but in reality, motivation is what keeps us going.  My motivation to get out of bed…

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I didn't learn much about frugality or personal finance growing up so I'm excited to have a guest post today from Jason Lee of Mint Habits. I hope you'll enjoy the fresh perspective! Growing up, our household had no money, no toys, no dinners out at restaurants, and very little of anything else. Both my parents worked, making just enough money to cover the bare minimum to survive. The main costs were a mortgage, two vehicles, and food and clothing for the entire family. We ate simple foods and didn’t experience anything luxurious. In fact, I was about 5 or…