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Mindful Living Archive



September 2016



Sometimes Lifestyle Inflation is a Good Thing

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When people think of lifestyle inflation, they think of wasted money. But there are times when lifestyle inflation makes sense.Generally, when you hear about “lifestyle inflation” in the personal finance community, it’s got a negative connotation.

I get it. When people think of lifestyle inflation, they think of wasted money.

People waste their increased income by putting it toward new or more expensive things rather than their financial goals. This is why increasing your income isn’t always the answer to helping you get out of debt or build your savings. A higher income is only helpful if you can avoid lifestyle inflation and put that extra money toward your financial goals.

I’ll admit it, I have struggled with avoiding lifestyle inflation as my income increased. (more…)



August 2016



Why I Decided to Shell Out $170 Per Month for a Personal Trainer

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Maybe hiring a personal trainer is worth the cost after all. I love why this woman decided to hire a personal trainer!It’s no secret that I’ve struggled with my body weight for the past few years.

I’ve talked about the struggle of having to either buy bigger pants or change my eating habits to help my current pants fit.

I’ve talked about how Crossfit used to be a part of my budget but that I decided to quit paying for it when I quit my job.

And last fall I talked about my plans for better self care because I wasn’t happy that I had gained weight.

I had a pretty good run at the beginning of this year. I tracked my food and exercise with my FitBit and I lost nearly 10 pounds. But since then I’ve put that back on plus another 20 or so.

Even though I have a treadmill and elliptical at home, I wasn’t motivating myself to workout and eat right, which is why I finally broke down and hired a personal trainer.




August 2016



Why You’re Having a Hard Time Simplifying Your Life

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Check this out! It really helped me simplify my life. Maybe you can simplify your life too!Today I have a guest post for you from Lorin. Lorin is a fairly new blogger who is sharing her real life stories about perseverance, character, and hope. Enjoy!

You desire to live a life where you can wake up in the morning without worrying what is to come.

You desire to have simplicity, yet wonder why you are always left with high demands feeling as if you’re being weighed down.

You keep trying to lighten up yet things just seem to never work out the way you planned.

I’ve got news for you. I have lived out this same struggle day in and day out unsure of where I’m going wrong and how I can fix it.

The truth is, life doesn’t have to be complicated. We make choices that don’t allow us to have the simplicity we are always chasing after.

I desire for you to experience simplicity. So, I want to share with you everything that’s bound to get in the way of living the simple life you’ve only dreamed of having.




May 2016



The Best Bargains on Everyday Expenses

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5132814130_ed54b1c73aIt seems like everyone’s check has to stretch a bit further these days. Rather than giving up on the enjoyable things in life, the savvy consumer finds ways to cut costs on regular expenses. Here are some ways you can save major cash without major heartache.

Cell Phones

Assurant review say, having insurance when disaster strikes can make all the difference.


When shopping for groceries, the time-worn way to cut costs is to buy generic. But some generics are better quality than others, and the price difference between name brand and store brand vary a great deal as well. Compare the generic to items in the class that are on sale to find the best price, and remember which Brand X foods your family can’t stand. Of course, you could also look into online grocery shopping, a service now offered by among others. The services are often pricey, but may offer a discount to new members.

Off Season Buying

One mistake people often make is waiting until the proper season to get things like holiday decorations and gifts. A far better approach is to look at buying seasonal goods during the off-season when demand is low, and discounts are high. For instance, you will never find valentines as cheap as the day after Valentine’s Day. Be sure to check expirations on any edibles you pick up, though — while many candies have a long shelf life, some do not. Online shopping is another way to find cheap off-season goods, using the reach of the internet to find bargains at any time of year.

Discount Stores

If you prefer the physical shopping experience, patronizing discount stores is a great way to find fantastic bargains on a variety of necessities. Discount stores sell remaindered and off-brand products at a steep discount on the usual retail price of those items. Dollar stores are the most visible of this category of retailer but tend to suffer from a more limited selection than other discounters like Big Lots. Another kind of discount store is the bulk shop, the most famous of which is Sam’s Club. Though these stores often require membership and sell products in large bundles, the discount per item is hard to beat.
Budgetary discipline is the key element to any plan to save money. That said, there are lots of little tricks like the above as well. Put together your budget and live a better life.



April 2016



Life is Short: Do What Makes You Happy

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Life is too short to be unhappy! What are you doing to make yourself happier?We have all heard the old adage, “If you do what makes you happy, you won’t work a day in your life,” and yet more than half of all working Americans are unsatisfied with their job, according to The Conference Board Job Satisfaction survey.

Why is this? Why don’t people do what makes them happy? I’m no expert on money and happiness, but the most likely answer is that people do what brings in the enough money to pay the bills. When you have mouths to feed and have to have a way to put a roof over your head, you take whatever job you can find, without due regard to happiness.

We all think we have the rest of our lives to pursue what makes us happy. Especially when we’re in our 20s and 30s, we feel like we have our whole lives ahead of us. What’s another year or two in a job that makes us miserable, as long as we’re paying the bills?

The average life expectancy for American citizens is 78.8 years old, meaning most healthy Americans can reasonably look for to a long life in which to pursue their dreams and do what makes them happy in the long run. That being said, the hard truth is that cancer, unintentional injuries (i.e. car accidents for example), and other diseases make up the bulk of the mortality rate in this country.

You never know what life is going to spring on you, and you never know how long you have to live your life.

Life is short, do what makes you happy. Even if you don’t have a way to get paid for what makes you happy, find time to devote to the things and activities that bring you joy. (more…)



March 2016



10 Frugal Things To Do Besides Watching TV Tonight

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There are so many frugal things you can do other than watching TV! Check out number 4 - it's my favorite!

At the end of a long work day, all I want to do is veg out in front of the TV mindlessly for a few minutes before passing out for the night.

That said, my parents and brother had a bit of an “intervention” with my last week when I was sick (that’s why I’ve been so MIA on the blog lately) and told me I need to find some hobbies besides just working on my business and watching TV.

Don’t worry – the intervention wasn’t full of tears or drama, and it won’t be appearing on TV anytime soon either. 😉

I got what they were saying though, so I decided to brainstorm some ideas that I might be able to use instead of automatically turning on and watching TV the next time I take an evening or weekend off from work.

If you have the same problem as I do with TV being one of your only “hobbies”, here are 10 frugal things you can do besides watching TV tonight.




February 2016



How Single People Can Show Themselves Love on Valentine’s Day

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Single on Valentine's Day? No worries! Here are several ways you can show yourself some love this Valentine's Day!

The topic of discussing this week seems to be the impending holiday, Valentine’s Day. I’m not really sure why, but this holiday really brings out some strong feelings in most people.

In the most recent episode of the Financial Conversation podcast, we were actually quite divided on our feeling about this holiday.

Even though I’m decidedly single, I don’t HATE Valentine’s Day. But rest assured, I don’t love the holiday either. I don’t really have any set plans for celebrating Valentine’s Day this year, but I know that many of you who are in relationships do.

One question I do have is why those of us who are single don’t put more effort into celebrating Valentine’s Day? Instead of showing our love and appreciation for a partner, we could instead put a little extra effort into showing ourselves some love on this holiday. After all, most of us don’t take the time to show ourselves love very often.

Here are some ideas for how single people can show themselves love on Valentine’s Day this year.