The ratchet effect

how come some of the personal finance bloggers achieve 40 or 50% savings when most of us struggle to save 10% ? I barely hope for 30% myself this year and I feel committed to this. To go beyond that first 10% saving level you can start buying more clever, wait for promotions, buy in … Continue reading The ratchet effect



I have only managed to contain my belongings to more or less the volume of a small car mostly because I travelled and relocated so it would have been impossible to do otherwise, therefore I don't feel very qualified to speak on the matter. But I still have my own little theory about it, here … Continue reading Frugality