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Saving money is primarily a mindset. Tools might help but in my opinion they are absolutely not needed. Reading http://earlyretirementextreme.com/manifesto.htm
by s3nnyy 10y ago
Saving money is primarily a mindset. Tools might help but in my opinion they are absolutely not needed.
Reading http://earlyretirementextreme.com/manifesto.html http://earlyretirementextreme.com/manifesto.html helped me to get the "saving money mindset" into my bones more than any other resource.
- atmosx 10y agoAgreed, it is indeed a rather simple mindset: You have to spent less then what you earn. However, that might not be as easy as it seems and hence you need data: $ ledger reg Expenses:Personal:Food -b 2016.06.01 -e 2016.06.30 16-Jun-03 Pita Gyros Expenses:Personal:Food € 10.00 € 10.00 16-Jun-04 Pizza Expenses:Personal:Food € 35.00 € 45.00 16-Jun-09 Pita Gyros Expenses:Personal:Food € 10.00 € 55.00 16-Jun-10 Greek Tavern Expenses:Personal:Food € 25.00 € 80.00 Now I know that last month I spend 80€ in food month in fast food which is within my budget for fast-food. If you're not managing a very small amount of money along with a very short list of expenses, then ofc you don't need tools otherwise tools give you data and as we all know, data can be of huge importance.
- wocg 10y agoJohn Greaney's "retire early home page" is also helpful: http://www.retireearlyhomepage.com/ http://www.retireearlyhomepage.com/