The Frugal Fren

Living a frugal and minimalistic life 🇩🇪
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npub1hv0z2fal93sjw43zvp06qwn50jxj5f407z089llvm69m9tc54edshcq5qt

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nprofile1qqstk839y7ljccf82c3xqhaq8f68erf2y6hlp8njllkdazaj4u22ukcf9rjax

Author Public Key

npub1hv0z2fal93sjw43zvp06qwn50jxj5f407z089llvm69m9tc54edshcq5qt

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Last Notes

2024-05-14 05:24:12

Good morning! ☕️
The middle class pays the most taxes, the rich pays the least!
This is why the wealth gap is increasing, because rich pay less taxes, keeping their wealth, while middle class is taxed the most keeping them poor.
Exit this spiral!
🚪🌀
LG 🔥
#grownostr #nostr #financialfreedom #fire #plebchain

2024-05-12 08:48:14

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Have a great one @npub18nq…0p82 !

2024-05-12 08:47:52

If you don't act against inflation, it will act against you.
Inflation just steals your money.
The permanent increase in prices are a men made phenomenon. It is an intentional cause of the central bank/government.
Let's say you have 1000€ and there is a phone that costs 1000€ now.
What is the difference between the two scenarios?
1️⃣ Phone still costs 1000€, but tze government takes 200€ from you **above all taxes you pay already**.
2️⃣ You have your 1000€, but because of intentional inflation, the phone costs now 1200€.
Why do they need this extra 200€ if you already pay so much taxes?
Is it to hide it from plain site?
Stop this nonsense, and start investing in inflation preserving assets.
#grownostr #nostr #frugal #inflation #financialindependence #financialfreedom

2024-05-12 08:36:06

Good morning! ☕️
Money is store of free time.
The more money you have, the less you HAVE TO work.
The less you have to work, the more free time you have.
Do you want to have more free time?
#grownostr #nostr #plebchain #frugal #money #coffeechain

2024-05-07 13:00:02

"Investing is easier than working out."
-- Friend of mine
She said, "when I work out, I have to constantly push. I will get stiff. Then it will be hard to continue, or push through stiffness. In order to progress, I have to keep struggling.
On the other hand, investing is so much easier. I just set up my autoinvesting, and I don't have to do anything to invest."
#fire #financialindependence #coffee #coffeechain #plebchain #pleb #grownostr #nostr #frugal

2024-05-07 06:19:17

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Good morning! ☕️
Any plans how to make this day awesome? 🔥

2024-05-07 05:10:58

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Good morning! 🤙 Have a great day! 💜

2024-05-06 09:59:51

Don't fall for get rich quick schemes! It is impossible to get rich quick.
Value hard work, put in the effort, and invest what you earn.
Investing is EASY. You just set it up once, and you are set to go! 🔥
#nevent1q…fqq5
#grownostr #nostr #plebchain #coffeechain #thenostr #success #pleb #coffee #invest #frugal

2024-05-06 06:25:59

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Thanks! So you say lagging infrastructure is the base cause of the current state?

2024-05-06 06:22:22

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In what sense? Could you tell 2 sentences like I'm 5?

2024-05-06 06:20:55

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What 1 thing do you think that makes bluesky stand out?

2024-05-06 06:19:12

Let's END the lack of financial literacy TODAY!
Help someone today to understand how our world works!
#plebchain #coffeechain #coffee #pleb #nostr #grownostr #frugal #fire #financialfreedom #thenostr

2024-05-06 06:17:47

Do you know 1️⃣ huge difference between rich and poor?
Rich uses good debt. They use debt to get wealthier.
Poor uses bad debt. They use it to get poorer.
Learn the difference!
#asknostr #plebchain #coffeechain #coffee #pleb #nostr #grownostr #frugal #fire #financialfreedom

2024-05-06 06:09:04

https://image.nostr.build/3052cfcb9e4fbfa98f1c259c37b4c6d262409c46b23aef1eb35aa583ca47c6fc.jpg
#asknostr #plebchain #coffeechain #coffee #pleb #nostr #grownostr #frugal #fire #thenostr #inflation #meme #memestr

2024-05-06 05:51:14

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☕️✅️ Let's go 🔥
Wish you a great, rewarding and yet hard enough day to progress! 🔥

2024-05-06 05:48:50

#nevent1q…0uxk
#grownostr #nostr #plebchain #pleb #thenostr #gm #coffee #coffeechain

2024-05-06 05:47:28

Good morning! ☕️
Concentrating on and finding bad things is easy! Finding positive in each day is hard.
Not everyday gonna be good! But you can find something positive in every day!
So let's go! 🔥
https://image.nostr.build/7c585d33bcee96372036a4b1933f4ca837d09b7a14c335a81204e8f9f9a16813.jpg

2024-05-06 05:43:54

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Damn right! 🫡☕️ A great coffee for a great day!

2024-05-06 05:43:02

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Good morning! 🫡 Coffee ☕️, then
"push it, push it real good!"
https://image.nostr.build/ff796551d2bdd0e5acd5bd1c4a4e2450d3710531dad360bc63057f5ba94cb4cd.gif

2024-05-06 05:39:21

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Make it a great day! 🔥☕️

2024-05-05 18:51:02

https://image.nostr.build/9d8c45ebac70f3d4057b8fb3e68bf4e79d0045786176e24667d670fe2bff35df.jpg
They use the "buy, borrow, die" strategy to minimize their taxes.
This causes the goverment to increase taxes that due to this trick, the poor and middle class people has to pay. Which increases the wealth gap.
Also this causes the real estate prices to go up, that poor and middle class people cannot afford homes. Also this increases rent prices, that even more increases the wealth gap.
#plebchain #coffeechain #pleb #coffee #nostr #grownostr #ultrarich #taxhack #tipp #thenostr #hack

2024-05-05 17:46:49

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Have a great one! 🤙

2024-05-05 08:07:39

1️⃣ Tip To Make You Richer
Setup an account (investing, #btc buying ) and setup automatic investing weekly or daily investing. (Choose which ever makes you more comfortable)
As a start, invest 10% of your monthly income in each month in smaller weekly or daily chunks.
Handle this 10% as the best tax you ever paid, because it will be only used for your future and well being!
Do it! 🔥
If done,
1️⃣ Learn about #bitcoin
2️⃣ Increase your monthly %
P.S.: Once you are done, and a few month passed by you will think "how easy it was to prepare for an awesome future".
#plebchain #coffeechain #pleb #coffee #fire #financialindependence #nostr #grownostr #financialfreedom #investing #value4value #sharingiscaring

2024-05-05 07:51:27

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Have a great one @npub1xuc…97xc ! Make this one awesome! 🔥🙌🤙

2024-05-05 07:50:39

#asknostr
Is it possible to make a nostr newsletter?
#plebchain #coffeechain

2024-05-05 07:10:31

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Which model are you using? 🤙

2024-05-05 07:03:25

GM! ☕️
What do you think people of Nostr need more?
1️⃣ Tips how to save and earn more
2️⃣ Info why investing is important
3️⃣ Other (please specify)
https://image.nostr.build/fe54cea6d3fba47f315a4973d0a70c5c588eb48bccdb90e6d20912b48de8be2b.jpg
#asknostr #plebchain #coffeechain #coffee #pleb #nostr #grownostr #frugal #fire #thenostr

2024-05-04 09:42:42

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Have a great day @npub19jk…9rv7 ! ☕️

2024-05-04 08:57:31

Good morning! ☕️💜
https://image.nostr.build/d356b593240fbe42206508212ae56408d43c2beee2bf87493b6b920ea2606b6e.jpg
#asknostr #nostr #plebchain #coffee #coffeechain #pleb #gm

2024-05-03 16:52:03

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I think getting a zap can be a pretty good incentive to try to provide some value. What do you think?

2024-05-03 14:30:05

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"I don't get it. [...] I don't think there is anything confusing there." 😂😂😂

2024-05-03 13:14:31

https://image.nostr.build/1612b5cc263c4eecea5d904c24cf29bfa0aa07854f57f7f8db2a766117465760.jpg
Sometimes we have to realize, who is responsible for our life.
#meme #memestr #zap #nostr #thenostr #plebchain #pleb #coffeechain #motivation

2024-05-03 05:24:40

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Good morning! ☕️ Impressive! 🤙

2024-05-03 05:18:05

Good morning! ☕️🤙
https://image.nostr.build/a8674ba2faf5c86d907899baa7cce165206d3a2966292a97043668ca5c0e4c85.jpg
#gm #plebchain #coffeechain #grownostr #nostr

2024-05-02 19:11:03

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You can do it! 🔥⚡️🤙💜

2024-05-02 19:01:54

This 👇
If you don't want to have a bad life, you have to make the decisions, otherwise other's will make them, but you will suffer.
#nevent1q…uwne
#plebchain #coffeechain #pleb #grownostr

2024-05-02 18:59:24

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Work hard, play hard 🤙 enjoy your weekend later! 🫡

2024-05-02 17:48:52

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Cool! You never know when stickers come handy 😂 Wish you good event, and the rest will take care if you enjoy it! 🔥

2024-05-02 17:18:26

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Really? Have you checked bitcoin.rocks ?
I think the website is not a bad idea, maybe what you could do, is make it more specific for your local people. Not sure if you can do it more or not, but for the first check the site seemed a bit generic. You can ignore this idea, or use it. Just came to my mind.

2024-05-02 17:15:32

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Hmmm, cool! Found the services part. I like the "be the change you seek in the world" attitude! 🔥🔥
I think you are on-point with the investing part. You need no help! Keep up the great job! 🤙
I am mainly posting about ideas to how to save more or earn more. Not really on what to invest in.

2024-05-02 17:06:33

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That is cool! Why did you decide to make your own website?
The local trade network also sounds cool! Circular economies sound a great way to support eachother in a way that you fulfill your own interest.

2024-05-02 16:40:52

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It is an insult, and even demotivating as hell! Why would you work hard, if the salary increase won't even reach the inflation levels!
I think you are closer to solve this issue than others because you already realized this.
So bad to see, that hard working people are not paying attention to this, and becoming poorer and poorer each year.
Let me know if you need some tips or ideas. Or you could check my previous posts.
And followed! 🤙 #plebchain

2024-05-02 16:20:28

If you want to understand only ONE thing about MONEY for
**your future well being**
it shall be this: 👇
As inflation will never disappear,
so you have low chances of getting a salary increase above inflation,
therefore, each year you will GET POORER if you DO NOTHING about it.
#grownostr #sharingiscaring #value4value #plebchain #pleb #coffeechain #coffee #nostr

2024-05-02 11:12:36

#asknostr
What is your opinion on why people don't care about their financials?
#plebchain #coffeechain #pleb #grownostr #nostr #ask

2024-05-02 11:09:55

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I see! Interesting take!
Would you say that you would approach financial freedom by self sufficiency in a way, that you grow for yourself?

2024-05-02 07:37:47

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🔥 I agree! It shall be personally tailored for everyone's needs.
I think the tricky part is "like the effort". What is likeable in decreasing your current spending on the hope of future reward?

2024-05-02 06:12:22

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Every good thing requires effort, so as this. Do you think financial freedom justifies the effort you need to reach it? Or what is your stance on becoming financially free?

2024-05-02 06:09:44

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How is your week going?

2024-05-02 05:34:07

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Do you feel it worth the hassle?

2024-05-02 05:31:44

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Cool! Maybe we need also other nostr related habbits. Not yet sure what, but these habbits brings us closer I think!

2024-05-02 05:30:28

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We need short vacations! 🤙
I feel like this ~30 vacation day on average per year is so less!
Enjoy your vacation! Work hard rest hard! 😁

2024-05-02 05:17:06

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Hope you had a great headstart of the day! ☕️

2024-05-02 05:08:15

Good morning! ☕️
What is your opinion on #financialfreedom ?
https://image.nostr.build/89e742f6a6ddfd5434e991a80e3094aa2378515ae97eb03d229937915a09c69a.jpg
#financialindependence #pleb #plebchain #coffeechain #asknostr #grownostr #nostr #gm

2024-04-30 21:35:01

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https://image.nostr.build/e04339362eb7ec0f6ec70a09e3fe2e8964c0cd0bd6540095fd7478b99e1816b1.jpg

2024-04-30 20:00:17

Learn through any memes or learn through any text?
https://image.nostr.build/3b447c57fb8bae004629f75591aae3d7c233a7ff1c8e1317fe6ab08e01d67bf2.jpg
#plebchain #grownostr #meme

2024-04-30 19:57:31

"Money is a great way to protect against many problems"
#quote #quotestr #plebchain #coffeechain #grownostr

2024-04-30 13:33:42

Money is storable time.
The more money you have, the longer you can keep up without working. The longer you can do whatever you want.
So handle investing as you make your time give you more time.
At the end, time is your hardest asset. Everyone has the same amount of hours per day.
Those who have reached financial independence plan their time the freest. They can live for their hobby, for their family, for their animals, for traveling, etc.
Learn, Stack and reach financial independence to give you the possibility to spend your time according to your schedule.
#plebchain #coffeechain #grownostr #nostr #investing #money #time #perspective #financial independence.

2024-04-30 06:07:22

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Keep the vibe up 🔥🫂

2024-04-30 05:03:07

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I hope your ride is decent so far 😁

2024-04-30 05:02:29

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Have a good day! ☕️

2024-04-30 05:01:28

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Good awesome morning Enjoy the ride! ☕️ Let's make this beautiful day an awesome one!

2024-04-29 20:55:05

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What do you mean? What did I miss?

2024-04-29 20:20:31

#nevent1q…6wlg
#plebchain #grownostr #financialfreedom

2024-04-29 14:37:15

Have you thought about how clichés are created?
It is something that is simple and true, but still neglected. Therefore those who apply it, and realize its usefulness, they will promote it. Therefore it gets used more and more, until it becomes a cliché. Of course repeating something enough will still not make it true. This logic expects free information flow.
https://image.nostr.build/a65548d7c2369a43689d728b9a5a3df41d49e3ab48f944d8c67aca4360574684.jpg
#frugaltip #frugalism #frugal #minimalism #minimal #minimalistic #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney

2024-04-29 14:33:21

Different viewpoint
If you don't have your financial life figured out, it can be used to control you. This is the opposite of freedom.
#grownostr #nostr #plebchain #financialfreedom #perspective
#nevent1q…f7ga

2024-04-29 06:06:45

I find funny, when someone says, money and power change people.
I feel the opposite is true. It allows them to be their original self. Even if it is that rotten.
Change my mind!
#asknostr #plebchain #coffeechain #grownostr #nostr

2024-04-29 06:03:50

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Have a great day Still Rogue Dan! 💜

2024-04-29 06:03:07

I think financial freedom should be the basic goal for everyone. If you reach it, you can start to flourishing.
Why?
If you take away the burden of "have to make money", you will be able to concentrate more on the value you provide. This funnily will result in earning even more.
Of course, this might not be true for all jobs. But there is a high chance, that if you are flexible enough, you will do what you wanted but in a way that you earn money.
I think there is nothing bad in earning money. It basically means someone wants to exchange his time (earned money) for the value you provide. I think that is a big compliment.
#grownostr #plebchain #coffeechain #nostr #btc

2024-04-29 05:56:28

Good morning! ☕️
Grab your first coffee, and aim to learn something new from the financial space this week to put you in on the track of financial freedom.
If you don't find a way to make money while you sleep, you will work until you die.
--Warren Buffett
https://image.nostr.build/18aed3112e671ea1d9c44ce0e9b8c3c92abae2b49cae82c2dc5aa7e6d55443fb.gif
#grownostr #plebchain #coffeechain #nostr

2024-04-28 15:47:48

Levels of financial independence:
⚠️ Dependence: You spend more than you earn. Your income is not enough to support your life and your debts.
0️⃣ Self-sufficient-ness: You spend less than you earn. Your salary is enough to finance your life and your debts.
1️⃣ Stability: You have no consumer debt, and you saved your monthly cost multiple times (emergency fund).
2️⃣ Debt Freedom: You paid off your high-interest debts.
3️⃣ Starter Saver: You saved 1 times your current annual expenses.
4️⃣ Medium Saver: You saved 5 times your current annual expenses.
5️⃣ Expert Saver: You saved 10 times your current annual expenses.
6️⃣ Financial Security: Your saving's cashflow pays your basic survival needs for the rest of your life. (Eating ramen and housing)
7️⃣ Financial Independence: Your saving's cashflow pays your current lifestyle for the rest of your life.
8️⃣ Financial Freedom: Your saving's cashflow pays your wanted lifestyle.
9️⃣ Financial Abundance: Your saving's cashflow provide you more money then you will ever need.
Use this as a guide to find your current level, and to set goals for yourself to reach the next step.
#financialindependence #financialfreedom #fire #retireearly #grownostr #plebchain #coffeechain #value4value #valueforvalue #money #finance

2024-04-28 10:02:46

Good morning! ☕️
Money is a great way to protect against many problems. E.g.: getting fired, apartment burns down, health issues, etc.
So plan your financial plans to get yourself a great financial armor.
Have a great day! 🔥
#plebchain #grownostr #nostr #saving #coffeechain #financialfreedom

2024-04-26 20:09:11

Damn #lnbits updated the site and my wallet link become broken. Any way to recover? My zaps still seems visible, so the wallet shall be there.
#asknostr

2024-04-26 15:14:26

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Could you elaborate on not having a risk to be regulated? Why do you think that is so?

2024-04-26 05:46:44

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Good morning! ☕️💜 Have a great one!

2024-04-26 05:32:26

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1am is the new morning! 🔥🫂

2024-04-26 05:19:33

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Good morning! ☕️💜 Have a great day! 🔥

2024-04-26 05:12:00

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Good morning! ☕️💜

2024-04-26 05:11:09

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Good morning! ☕️ Almost the weekend, let's make it great! 🔥💜

2024-04-24 09:19:42

What #sidehustle do you have? Or do you want one?
#asknostr #plebchain #coffeechain #coffee

2024-04-23 16:32:34

Two lifechanging rules are
1️⃣ Work hard
2️⃣ Embrace failing
⚠️⚠️⚠️⚠️⚠️⚠️ Warning ⚠️⚠️⚠️⚠️⚠️⚠️
⚠️ They only work if you apply them. ⚠️
⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️⚠️
Sorry for burning your eyes out with the bright emojis. At least you read it. 😂🫶💜🫂
#grownostr #plebchain #coffeechain #value4value #hardwork #proofofwork

2024-04-22 10:42:26

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Good morning Connie! Make it lovely! 💜🫂

2024-04-21 12:47:47

☕️☕️
https://image.nostr.build/f92b938db8c98e863fe3391cf426d90a7473a6df1d1da9cee4ada848570792c8.gif
Financial independence and retire early is just
1️⃣ living below your means and
2️⃣ investing your saved money into things that earn you a certain yield.
If it is an Index Fund, #BTC, dividend ETFs or anything else, it does not matter. It is "just" your vehicle to financial independence.
Never lose sight of the real goal! And be open to be proven wrong, and course correct along the way.
#frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #coffeechain #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #bitcoin #etf #indexfund #valueforvalue #value4value

2024-04-19 15:33:57

#earnmore
Do a sidehustle.
It is a nice way to
1️⃣ earn extra income,
2️⃣ to start a business in small, or
3️⃣ to get paid for providing value not your time.
Also it is a low risk way if you want to eventually have your own business.
#frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #sidehustle #bitcoin #btc

2024-04-19 11:09:06

If you want financial independence faster, you have to
1️⃣ #spendless
2️⃣ #earnmore
I will post with the above hashtags lists with tips for easier searchability.
#spendless
1️⃣ Decide on a fix monthly percentage to save
2️⃣ Have monthly grocery budget
3️⃣ Have only 1 streaming subscription per month
4️⃣ Cook at home / #mealprep
5️⃣ Have "fun budget" per month
6️⃣ Minimize your recurring cost as much as possible
7️⃣ Don't drink in Starbucks, or other fancy coffee places often
8️⃣ DIY the most things
9️⃣ Library over bookshop
1️⃣0️⃣ Look for free or cheap hobbies (hiking, walking, free museums, etc)
1️⃣1️⃣ Wait few days before buying more expensive items
1️⃣2️⃣ Borrow from friends instead of buying
What else would you add?
#frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #retireearly

2024-04-18 20:29:01

#nevent1q…wny3
#financialindependence #retireearly #fire #frugal #frugalism #grownostr #plebchain

2024-04-18 20:27:57

Sleeping is important! We need energy to push tomorrow, to earn more, build more, and become financially independent!
Good night! Sleep tight! ⚡️🌃

2024-04-17 08:39:16

Having more wealth won't make you happy forever.
Above a certain level, money does not make you happy.
I would even say, money only can give you joy, which is not happiness.
If I were you, I would have goals I want to achieve that needs money, e.g. travelling to Zimbabwe or something. Quantify how much money I need, then I would save and finally enjoy my goal.
This could be considered as a minimalistic approach, because you don't want to be rich for no reason, you just want to put together the minimum amount of money to enjoy your goal.
#TimFerris #DreamLine #frugaltip #frugalism #frugal #minimalism #minimal #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving

2024-04-17 08:32:41

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Sounds awesome! Have you put some thoughts into how to progress into it?

2024-04-17 08:31:43

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Have you thought about more specifying it? Easier to get to it if you have more clear goals.

2024-04-17 08:30:19

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That is great, that you have it that specific. Did you already put some effort figuring things out?

2024-04-16 19:56:35

What would you work/do if you don't have to earn money anymore?
#asknostr #discussion #plebchain #grownostr

2024-04-16 15:28:26

"Don't accept the things you don't understand."
Why?
If you do this, you train people who want to deceive you, that they only need to throw long technical jargon at you to make you accept everything.
🔁 Share if you care.
⚡️ Zap if you agree.
💜 Like if you saw.
#frugaltip #frugalism #frugal #minimalism #minimal #minimalistic #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #hardwork

2024-04-15 10:56:56

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Good morning! ☕️ Seems to be the start of an awesome day!

2024-04-15 10:47:12

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#borderless

2024-04-15 07:12:43

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Interesting point of view! 🤙
I could argue the other way around as well, that if you increase because of salary increase, you increase because of finances, so finances control.
Although the main idea behind what I wrote is, if you increase your lifestyle then you will depend on a higher paying job to be able to pay your things, so you depend on your "higher" finances.
So if you are sick of your job, you can't really quit to something that you would enjoy but would pay less e.g. Or you can't start a new profession which could pay you less due to the fact, that you are not yet an expert. Or you can't quit without having your next job lined up.
So the main message here, if you keep your cost lower even if you earn more and more, it gives you financial stability and flexibility which can mean you have the ability to decide without your finances controlling you. Still you can consider it though.
I hope it make sense. Also I am a random person on the internet, so might be wrong.
Also interested in your opinion about this.

2024-04-15 06:54:28

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Have a great week @npub1cll…3zny Make it awesome!

2024-04-15 05:58:51

Good morning! ☕️
Either you control your finances or
Your finances control you.
Better if you rule.
Usual financial mistakes:
1️⃣ Having no financial plan or goal.
2️⃣ Having no savings
3️⃣ Increasing your lifestyle when your salary increases
4️⃣ Thinking if you can pay it, you can afford it.
5️⃣ Buying new car, new phone, etc frequently
6️⃣ Not knowing how much and on what you spend each month
7️⃣ Thinking if you invest 10%, you are set for life.
8️⃣ Having unnecessary perpetual payments
9️⃣ Understanding the real impact of inflation, and hedging against it
#frugaltip #frugalism #frugal #minimalism #minimal #minimalistic #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #hardwork

2024-04-12 07:48:35

Coffee break ☕️☕️
Some money saving tips:
1️⃣ Use soda machine instead of buying sparkling water.
2️⃣ Use water filter instead of buying still water
3️⃣ Use sponge for showering instead of putting shower gel into your bear hand. 🐻🐾
4️⃣ Setup a monthly grocery budget
5️⃣ Buy your phones for 5 years.
6️⃣ Buy used vehicle instead of new.
7️⃣ Turn off lights in the rooms you don't use.
8️⃣ Measure your monthly expenses, and remove unnecessary costs.
9️⃣ Measure your monthly expenses, and try to cut your biggest costs.
What else would you add? 👇
🔁 Share if you found value.
💬 Comment if you miss something.
#frugaltip #frugalism #frugal #minimalism #minimal #minimalistic #grownostr #nostr #coffee #plebchain #fire #financialindependence #lifestyle #savemoney #moneysaving #hardwork #value4value

2024-04-11 05:09:33

What is YOUR psychology of money?
#asknostr

2024-03-03 11:41:33

"Have a monthly budget"
Why?
1️⃣ If you make a budget you can discover where you "leak" money. Meaning where you spend seemingly too much money for non-sense things, or things that you might not need actually.
2️⃣ This way you can set a fix savings rate, that will give you perspective how much time you will need to reach financial independence, or even early retirement.
3️⃣ If you have your monthly spending for the month at one place (cash, one bank account, etc), where you don't have access to your other money, it is easier to stay in the budget, because you "won't be able to spend more". Of course, you shall only use this source...
4️⃣ You need a budget to calculate how much money you need to retire early.
5️⃣ You need a budget to have a sensical FU money, that you can tap into when there is a problem, or to give you independence. (E.g.: To quit a toxic workplace...)
6️⃣ By knowing your budget, you could also think about how to lower it, so you can retire even earlier or you can be even more independent, because you don't have a lot of costs to cover, that can force you to take different type of jobs, or decisions. So lowering your budget can give you more options.
7️⃣ Having a budget means, that you control your costs. If you don't control your costs, they will control you.
#frugaltip #frugal #fire #FIRE #financialindependence #retireearly #saving #FUmoney #FU #moneysaving #plebchain #nostr #grownostr