The easiest way to save the most money is by focusing on your 3 biggest expenses: housing, transportation and food. By focusing on the few budget items that make up most of your spending, it’ll be easiest to reduce your overall expenses. Listen to the episode on Apple Podcasts, Spotify, Stitcher, Castbox, or on your favorite podcast platform. […]
Author: Becky at TwentyFree
Cut Your Car Costs: Simple Ways to Save Money on Transportation
Transportation costs are a significant portion of most people’s budgets. They’re actually one of the top 3 expenses, along with housing and food. In addition to the cost of your car, you also have to consider the maintenance, insurance, fuel, and other expenses associated with owning a vehicle and getting around. What are some ways […]
- Afford
- ...
67 Ways To Reduce Your 3 Biggest Expenses
Some common financial advice you’ll hear is that small everyday expenses add up. By cutting out a daily $3 latte, you could save $1,000 a year! The match checks out. However, I’d argue that you’d be better off focusing your efforts on your biggest 3 expenses, rather than on small, everyday purchases. I’m a big […]
The 8 Best Ways To Save Money on Housing (For Renters and Homeowners)
One of the biggest challenges in personal finance is figuring out ways to spend less money — and one of the best ways to accomplish that is to cut down on your housing expenses. If you are like most Americans, housing is your single largest monthly expense. Implement some of the tips below to reduce […]
How To Manage Your Money In 10 Minutes a Month
Who has time to spend constantly moving money around to different accounts to make sure they’re saving and investing enough, and paying their bills on time? Not me! Because I’m lazy, I’ve found the best no-effort way to save and invest: automation. This article covers how to automate your finances so you don’t have to […]
FYF 35: A Lazy Girl’s Guide to Money Management
Are you spending too much time managing your money? Do you forget to save, invest or pay your bills on time? Financial automation can change your life. Listen to the episode on Apple Podcasts, Spotify, Stitcher, Castbox, or on your favorite podcast platform. Today’s Topic A Lazy Girl’s Guide to Money Management With Becky from Twentyfree.co @findyourfreedom_podcast @fyf_podcast […]
FYF 36: Pivoting In Your Online Business with Melody Johnson of The Course Consultant
Do you want to start your own business? Find out what becoming an online business owner is really like. Melody Johnson shares her experience transitioning into online business from full-time employment, preparing financially to become an entrepreneur, and pivoting her business during its first year. Listen to the episode on Apple Podcasts, Spotify, Stitcher, Castbox, or on your […]
FYF 34: Everything a New Freelancer Needs to Know with Laura Gariepy of Before You Go Freelance
Laura Gariepy is the owner of Every Day by the Lake, a written content creation company, and she coaches aspiring freelancers. Laura shares her personal journey to freelancing, her best tips for freelancers, and some juicy details about freelance writing that you won’t want to miss. Listen to the episode on Apple Podcasts, Spotify, Stitcher, Castbox, or on […]
FYF 33: Secrets to Saving Money With a No-Spend Challenge
Do you buy things on impulse or out of convenience? Spending habits can cost you a lot of money, and they might not even be helping you achieve your goals or live in alignment with your values. To break your automatic spending habits and start purchasing mindfully again, try a no-spend challenge. Listen to the […]
Lost my voice, gained my clarity: FinCon 2019 Recap
2020 Update: I am releasing this FinCon 2019 blog post recap exactly a year later, on September 4th, 2020. I switched from blogging to podcasting right after FinCon, and didn’t publish on my blog for several months while I was working on the podcast launch. This draft was sitting in my WordPress, 90% complete, for […]
FYF 32: Understanding Your Money Mindset with Eugenie´ George, author of Our Money Stories
Why do you make money mistakes? Our attitudes about and actions with money are influenced by our ancestry, our past, and our money story. Eugenie´ George MBA, CFEI uses her 10+ years of experience in tech, education, and finances to lead high-achieving women and women of color to understand their money habits. Listen to the […]
Secrets to Saving Money with a No-Spend Challenge
A no-spend challenge is committing to only spend money on things you consider necessities for a certain period of time. It is a great opportunity to reconnect with your priorities and align your spending to your values. During a no spend challenge, you can also seek out money you were wasting, and stop the flow! […]
5 Steps to a Successful No-Spend Challenge
A no spend challenge is when you challenge yourself to not spend in certain categories for a certain period of time. You can do it for a week, a month or a year, and you can customize it to fit your needs and goals. Obviously, you will need to spend money on necessities, but even […]
FYF 31: Stop Budgeting! Use a Spending Plan to Achieve Your Goals
Want to achieve your goals without having to budget? It’s possible, with a spending plan. Money is meant to help you achieve your goals and live your life the way you want. So don’t waste time on a budget that makes you feel deprived of everything you enjoy. Listen to the episode on Apple Podcasts, Spotify, Stitcher, Castbox, […]
FYF 30: Low-Budget Lifestyle Design with Moriah Chace from Our Table For Two
Don’t earn much but still want to live a life you love? Moriah Chace has figured out lifestyle design on a small budget. She is just 22 years old, and has already paid off a lot of student debt, saved a year’s worth of expenses, and moved across the country to start a new career. […]
FYF 29: Emergency Fund 101
Emergency funds give you peace of mind when the unexpected happens. Emergencies can happen no matter how carefully you plan, which is why having an emergency fund is so important. In this episode, Becky answers all of the most common questions about emergency funds. Listen to the episode on Apple Podcasts, Spotify, Stitcher, Castbox, or on your favorite podcast […]
FYF 28: You Mean I Can Retire Today? Surprise FIRE at 40 with Dragon Gal from The Dragons on FIRE
Want to retire early but hate budgeting? Dragon Gal never explicitly planned for early retirement or had a budget, but she realized that she could retire at 40. She retired early from her teaching career a few months after learning about early retirement. Listen to the episode on Apple Podcasts, Spotify, Stitcher, Castbox, or on your favorite podcast […]
FYF 27: Balancing Financial Independence and Lifestyle Design
It’s possible to enjoy your journey to financial independence. You can use the incremental financial freedoms that you gain along the way to incorporate aspects of your ideal life into your life now. Lifestyle design is an important component of creating an enjoyable and sustainable path to financial independence. Listen to the episode on Apple Podcasts, Spotify, Stitcher, […]
Balancing Financial Independence and Lifestyle Design
Financial independence and lifestyle design are compatible topics that are often seen as at odds with each other. However, financial independence and lifestyle design do not have to be consecutive goals, where you design your lifestyle after achieving financial independence. Rather, they are goals that should be pursued simultaneously. Most people pursue financial independence and […]
FYF 26: Live Your Ideal Life Before Retirement with Jessica from the Fioneers
Don’t wait until you retire to start doing things you love. As you save money towards retirement, there are ways to use your incremental financial freedom to start living your ideal lifestyle now. Jessica from the Fioneers shares the concept of SlowFI, and how it allows you to utilize the financial freedom you gain along […]