Hard Way Frugality

So we have a new year everyone!  Time for unrealistic goals that have no specific action plan or accountability backed behind them. Then, we all extort valuable energy into a direction with no clearly defined path for about 30 days and wonder why 92% of people fail new year resolution goals . Well now, please don't mistake me for a pessimistic person. In all honesty, I am actually a very optimistic fellow. Which is why I wrote this latest post. You see, instead of writing a goal for the new year, my path this year is going to be different. I am going to focus on a few "systems" that will likely lead to the desired "goal" as a consequence so long as I am disciplined enough to take charge of my life each day. Example: Let's say, I would like to lose the flab developed in my mid section that mysteriously appeared over the holidays. Well, more cardiovascular workouts is the key to burning fat. Instead of just going to the gym more (which I probab...

  So I saw that the new iPhone whatever is out. And the price tag is, hold your breath, $1000. Wow.. That is crazy. Keep in mind that I have already shown you that a more than capable smartphone can be purchased for $150 . Why it's a mistake to buy any smart phone for $1000:  It's simple really, sinking that much money into a depreciating asset is insane from a mathematical perspective because you are putting LOTS of money into something that is NOT going to accumulate value. Yes, you could make the argument that due to the nature of your work the device will enable you to earn more money than $1000 and you'd probably be right. But on that logic, you might as well buy a Corvette to drive to work since that can also help you earn money. So why don't we all buy cars we cannot afford? Well, aside from bankruptcy, we know it's not reasonable to buy a car with the Corvette price tag when we could simply purchase a Toyota Corolla or similar car. Yeah, t...