Frugality

Capsule Re-Cap(sule): How my New Wardrobe is Going

It's been about four months since I started my capsule wardrobe experiment. I've gotten a lot of questions, such as how do I decide what clothes to keep? How do I decide what new clothes to buy? Don't I get bored? Happily, there are an equal number of questions I have not asked myself over the last few months, such as what should I wear today? How do I have so much stuff in my closet yet nothing to wear? Where the @%$# are my favorite pants? Based on this last bit if nothing else, I am calling the capsule experiment a tremendous success.  (more…)

By Cheddar Pie, ago
Frugality

So long 2015, Onward and Onward to 2016!

Ever since I was a kid I've been very goal oriented and weirdly motivated by the endorphin rush that comes from checking something off my to do list. So it should come as no surprise I enjoy this time of year -- reflecting back on what goals I accomplished the past year, kicking myself with a few face punches (metaphorical) for the ones I didn't, and looking ahead and making lots and lots of lists for the coming year. 2015 was a mixed year for me, though I would say I leave it with a sense of generally pretty spectacularly amazeballs awesome -- overall, financially, it was a very solid year, though not without some important lessons. Personally, it couldn't have been better -- Sweetie Pie moved closer to me after being in a different city for two years; I traveled a lot and saw many, many old friends; I started to feel like my house is becoming my home; and I started exploring all sorts of new pursuits outside of work (like this blog!), and somehow managed to achieve some balance of not feeling perpetually "busy" (I chalk that one up to good old fashioned gratitude!). Professionally, however, last year was a disappointment -- I had some tough days at work and have been embroiled in some deep soul searching about where I might want to go next, how to get there, and the best recipe for lemonade in the meantime. In terms of my specific goals, here's the rundown: (more…)

By Cheddar Pie, ago
Frugality

Who Ate My Pie?

August Spending Roundup You guys, I did SO MUCH BETTER this month. Like a jigalillion percent better. Here goes: $29.99 — Ikea — Utility cart for my newly spiffified laundry room $13.34 — Amazon — Between the World and Me, because even though I don’t believe in buying books anymore (hello, Read more…

By Cheddar Pie, ago
Advice From the Pie Hole

FTPH: Lost, Annoyed, and Bored by Investing

Dear Cheddar, You know what I hate the most? Trying to figure out how to allocate my retirement investments. I know some of the basics about retirement: I'm comfortable with a considerable amount of risk/aggressiveness at this point, I put quite a significant percentage of my income into retirement pre-tax, I also have a Roth and max that out every year. But when it comes to choosing the funds where my money should sit, I am lost. And annoyed. And bored. Is this conversation over yet? I have tried to figure it out, I've talked to a complimentary advisor my financial institution provides, I have bribed myself with rewards like wine or chocolate for doing the necessary research on funds, I am sort of familiar with the online tools. But my money is still strewn around funds haphazardly, because for some reason this is the most tedious subject in the history of the universe to me. How do you choose funds wisely? What are the most important indicators to look at? Is it worth paying someone and what do these people even charge? I know the socially conscious funds aren't necessarily as progressive as I might hope, but I do hate guns; how do I choose a good socially conscious fund? Will you send me a reward if I get my act together and allocate better? Sincerely, Maybe I Just Need More Chocolate Dear Chocolate, Congratulations! You are doing amazing things! You are saving for retirement, max out your Roth every year, think about where to put your money, and ask great questions! You know what? You are beating 143% of the people out there who are not saving for retirement, and that is a statistically accurate fact. (more…)

By Cheddar Pie, ago