While I generally favor credit cards with no annual fee, occasionally cards with fees can provide benefits that more than compensate for the annual fee. Whether or not such a card is right for you will depend on your personal spending habits. Your circumstances will also determine if that card continues to be worth it…
Tired of paying too much for internet and TV? We were, too. While we’ve saved thousands by cutting the cable cord, we still have to deal with the internet companies. Saving money on internet and TV is actually a lot easier than you might think. In this post we’ll share how we reduced our internet…
We are coming up on two years of living through the complete renovation of our fixer upper. Though this is about two years longer than we thought it’d take (amateurs), we’re getting closer to the finish line. During this time our backyard has been a pile of rocks and weeds, all because we were struggling…
Have you recently stumbled upon the FIRE movement? Contemplating if this path could be for you? If so, you may be wondering how much money you really need to retire early. In this post, I’ll show you how to determine your Financial Independence (“FI”) number, as well as share ours. Additionally, as promised in Part…
Though it wasn’t the splurge vacation to Maui we had planned for our 5th anniversary, three-nights and $995 in Moab, Utah ended up being the perfect way to celebrate. It’s a beautiful town with easy access to multiple national parks. We’d highly recommend a visit to anyone who loves hiking or appreciates the beauty of…
A younger family member recently asked for some financial advice. This is not unusual. Mr. RFL & I are both accountants, after all. During the call, we shared that I had recently started a personal finance blog to document our journey to financial independence and early retirement (“FI/RE” or “FIRE”). The response? Oh yeah, I’ve…
We loosened the purse strings a little bit after our frugal & healthy month challenge in August, and indulged in a couple date nights out as well as a 4 day/3 night road trip to Moab, UT to celebrate our 5th anniversary. It wasn’t the big vacation to Maui we had been planning pre-pandemic, but…
This month we embarked on a frugal & healthy month challenge to to establish better spending, eating and exercise habits. Is it a good idea to just dive into a complete life overhaul like this? Probably not. But I’m a recovering overachiever, and my husband is always up for a challenge, so we went for…
Pumpkin spice season came early this year! Even though it’s still 100+ degrees here, I decided to treat myself. I was reminded of the “Latte Factor” as I shelled out over $5 for my pumpkin cream cold brew, and momentarily wondered… should you give up your coffee habit to reach financial independence? I quickly dismissed…
Ever have a conversation with someone that ended up foreshadowing a life changing event? I have. It was during a meeting with my boss just before starting maternity leave. To be clear, the event was not the birth of our beautiful healthy daughter, as you might expect. This is why I really quit my high…
Hi! I'm Mrs. RFL. We're a family of 3 trying to live a rich frugal life on our way to financial independence and early retirement ("FIRE"). I retired in early 2020, at age 38, to help our family achieve the balance we desperately needed. Even though we hadn't reached our end goal, making this change allowed us to take advantage of the financial freedom we'd already earned to begin building a happier, healthier and more meaningful life. This decision didn't slow down our journey as much as expected. We reached financial independence in January 2022! Rich Frugal Life follows our FIRE journey and shares everything we learn (or screw up) along the way.
June 7, 2024
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