106 | From Addiction to FI | Ms. Fiology

From Addiction to FI

Deanna, blogger at msfiology.com, shares her journey from drug and alcohol addiction to recovery, paying off six-figures of personal debt, and getting started on her path toward financial independence. She also wrote an article for ChooseFI detailing her journey. Deanna started looking for security in drugs and alcohol in her teens, becoming a high-functioning addict for more than a decade. After getting sober, Deanna spent time discovering how and why … Read more

How To Lower Your Cell Phone Bill

How To Lower Your Cell Phone Bill

One way to achieve financial independence (FI) faster is by optimizing your expenses. First, you cut the expenses you don’t value. Then, you work on reducing the expenses you do value. One service most people won’t go without is their cell phone service. However, it’s possible to save money both on your cell phone and on your cell phone bill without giving up much, if any, of the value you … Read more

Cut Your Cell Phone Bill: Republic Wireless Review

Republic Wireless Review Cut Cell feat-min

If you’re looking to cut your cell phone bill, you may want to take a look at the monthly plans Republic Wireless offers their customers. My wife and I are huge Republic Wireless fans and have been using their service for a few years now. So what is Republic Wireless? Republic Wireless is a mobile virtual network operator (MVNO) that offers service over the Sprint or T-Mobile network on select … Read more

How To Get The Most Mileage Out Of Your Car

How To Get The Most Mileage Out Of Your Car

Buying the right car is an important financial decision. Buy a lemon and you’ll spend hundreds on repairs and maintenance fees. Buy a trusty vehicle and you’ll have few issues. But it’s not just about finding the right car, it’s about taking care of it as well. Anyone can buy a durable Honda and run it into the ground with poor maintenance. So how do you make your car last … Read more

When Should You Buy Prepackaged Or Make It At Home?

When Should You Buy Prepackaged Or Make It At Home?

The ChooseFI Facebook group is always full of lively conversations. Lately, a couple ChooseFI Facebook group members have brought up the topic of prepackaged snacks. Prepackaged snacks and other items are super convenient but may cost more than making the same item yourself. Should you pay more for prepackaged snacks and other goods or should you make them yourself? Here are a few things to consider. The Arguments for Buying … Read more

ChooseFI’s Favorite Tips To Save Money On Your Landscaping Costs

Save Money On Your Landscaping Costs

  Optimizing your expenses to spend money on what you truly value is one of the keys to achieving financial independence (FI). That also means cutting back ruthlessly on expenses you don’t care about. Every dollar you reduce your recurring annual expenses by is $25 less you have to put in your nest egg to reach FI. Depending on where you live, you could be spending a ton of money … Read more

Frugality Without Deprivation

Frugality Without Deprivation

For some, frugality sparks images of wearing threadbare socks, living without heating or cooling, and eating a diet of rice and beans in order to pinch every penny to an extreme. Some of us may have lived with a parent or grandparent who instilled in us that frugality is a form of punishment or extreme deprivation, but luckily, it doesn’t have to be. For people in the FI community, frugality … Read more

My Garden–How I Cut My Produce Budget In Half

My Garden--How I Cut My Produce Budget In Half

Right about now, my garden really is in high gear and I am harvesting a belly filling and grocery bill neutralizing amount of produce. This will be the third summer we have been in our house and we have been able to have a productive garden each year, easily eliminating the need to purchase vegetables from about May through October. Can everyone do it on the scale that we do … Read more

ChooseFI’s Favorite Tips To Make Your Appliances Last Longer

Appliance replacement is something most people have had to deal with at some point in their lives. Sadly, it seems like many appliances built today use the concept of planned obsolescence to require us to buy another appliance in just a few years because it no longer works like it did when it was new. While we can’t force appliance makers to build better quality appliances, we can make sure … Read more

Talent Stacking To Fast-Track FI

The concept of “talent stacking” was originally coined by the creator of the Dilbert comics, Scott Adams, who touted the value of taking a set of connected (or even some unconnected, but relevant), ordinary talents and combining them to create one extraordinary person. An example of a talent stacker would be an insurance broker with a podcast and a knack for public speaking, or a school teacher who knows how … Read more