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Save more, live well, give generously

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Announcing My First Book: “Frugaling: Save more, live well, give generously”

By Frugaling 20 Comments

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Frugal bike - Photo Stefano Montagner Flickr

After months of conversations, writing, editing, and preparation, I can officially announce the release of my first book, Frugaling: Save more, live well, give generously! You can pre-order it on Amazon and it’ll be automatically delivered to your Kindle or supported devices on August 24th.

Today, I want to talk about the reasons why I wrote this book, the process, and share some special bonuses.

About six months ago a well-respected writer and blogger took an hour of his time to talk with me. As we talked on the phone, I picked his brain about simple living and frugality. We saw eye to eye about the need for people to live minimally.

At the end of the talk he emphasized that I should write a book. Between flattery, confusion, ignorance, and gratitude, I hung up and froze in my chair. For years I had been writing, but doubted whether I was reaching anyone — whether my writing was any good. I had thought about writing a book, but inner insecurities prevailed and prevented me from writing one.

But here was someone I respected, and he was pushing me to publish. Something clicked. I realized that Frugaling was about more than personal finance, and I needed to compile that into a book.

Frugaling Book CoverWhen I started Frugaling, I knew about student loans and credit cards. I had lots of debt, and could share my desire to be done with it. In those early days, my articles felt like a reproduction of other personal finance gurus’ advice. The solutions were simplistic: create a budget, get a good credit card, and don’t eat out as much. They weren’t necessarily bad suggestions, but they seemed to miss perspective and depth.

Unfortunately, despite good intentions, many personal finance gurus were missing large populations in need of help. And I had simply joined the herd of regurgitators.

Then I had a comically simple epiphany: we are all individuals. One set of bullet points, “tips,” and “rules” won’t ever apply to everyone. And frankly, many financial gurus and “experts” are white and middle class or higher. Their experiences will likely differ significantly from various diverse groups and economic statuses. I wanted to reach a broader audience and speak to many pitfalls and problems that systematically prevent others from succeeding financially.

That revelation motivated different directions in my writing. Coupled with the inspiration from a respected author, I decided it was time to write and publish a book. Additionally, I wanted to make it affordable because ideas about personal finance, simple living, and minimalism should be accessible to all.

Using articles from Frugaling.org, new material, and a bold premise of reaching diverse audiences through personal finance, this first book will help readers build a foundation, philosophy, and resistance. Together, these sections aim to provide readers with a healthy dose of encouragement to live well on less. Let me explain what I mean.

Saving more, spending less, and preparing for the future are usually the first steps that people take to become more frugal. The foundation section provides an overview for why I decided to pursue frugality, new ways to pay off debt, and savings experiments that can be started today.

But saving money isn’t easy in a culture that idealizes consumption. Society tends to favor those with material wealth over inner health. As a consequence, frugality can be challenging and trying over longer periods. That’s why I added a section about the philosophy of frugality. If you’ve ever tried to save money, but wondered why you should, this part’s for you.

Armed with a strong foundation and philosophy for going frugal, the last section helps readers develop a resistance to advertising, marketing pressures, and the systemic problems that hold people back financially. I want readers to get upset with how we’re portrayed as mere consumers.

Now, I want to segue into some bonuses for readers today. Rather than have you wait for August 24th to begin reading, I want to share a couple parts from the book today! Click here to read the first few pages and introduction.

Here’s what people are saying about Frugaling:

“Sam provides a fresh perspective into the world of personal finance. In a world of copycat books almost entirely focused on earning more and spending less, Frugaling invites us to find freedom by thinking different about our finances, our lifestyles, and the world around us. It is a must-read.”

–Joshua Becker, BecomingMinimalist.com

“I’ve been following Sam’s website Frugaling for six months now, and it’s clear that he is passionate about questioning consumerism. The methods in which he communicates his message are crystal clear, and I look forward to reading his posts each day.”

–Brian Gardner, NoSidebar.com

“Sam is a refreshing voice in the world of finance. Super authentic and upbeat, and I always leave happier after reading his thoughts. It’s like having (home-made) coffee with a friend :)”

–J. Money, BudgetsAreSexy.com

“Sam is candid in sharing his experience paying off student debt while pursuing an intentional lifestyle. He combines storytelling and his unique Frugaling philosophy with smart, practical advice for young adults looking to pursue the lives they want instead of being trapped by debt.”

–Anthony Ongaro, BreakTheTwitch.com

“Sam’s work will both challenge and inspire you to rethink your relationship with money and the world as a whole – to live a fuller, richer and more meaningful life.”

–Stefanie O’Connell, TheBrokeAndBeautifulLife.com

“Sam writes with a genuine, thoughtful voice on topics of minimalism, frugality, and life improvement. He brings great insight to the issues he covers and challenges readers to question their own assumptions about our image-obsessed culture of endless consumption. A must-read for anyone grappling with the questions of what it means to chart a life that’s outside the ordinary and not focused on following the herd.”

–Mrs. FW, Frugalwoods.com

Frugaling Book review and cover

I want to say thank you to all of these authors for their praise, encouragement, and help along the way. Please visit and check out their sites. They’re all fantastic writers and evangelists for saving more, spending less, and living well.

Lastly, I want to say thanks to you! I really appreciate your readership and hope you’ll support me on this first book. Be sure to share it spread the word on Twitter (#savelivegive) and Facebook. If you’re an Amazon Prime and/or Kindle Unlimited customer, the book will be free for the first 90 days. Otherwise, the book is $2.99.

Click here to go to Amazon.com and pre-order today!

Your frugal friend,

Sam

Filed Under: Make Money Tagged With: book, Charity, Financial, Frugal, frugaling, give, Giving, live, Minimalism, money, Personal Finance, Save, savelivegive, saving

Was Albert Einstein A Minimalist?

By Frugaling 10 Comments

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Albert Einstein Laughing

Let me preface this essay by saying I’m not a “genius,” “theoretical physicist,” or “great thinker,” but I decided to pick up Einstein’s biography to learn about someone who’s been called all three. In 2008, the famed biographer and writer, Walter Isaacson, published Einstein’s story in a whole new light. His book catalogues the many triumphs, tribulations, and everyday struggles of the man who has become so revered.

As I read this 704-page tome, the very essence of Einstein came alive. Isaacson is a skilled writer, but he was homing in on something unique about his main character. Einstein extolled and lived for a simple life.

Albert Einstein is remembered for his brilliant discoveries in the field of physics. Without going too far into the weeds, he theorized about relativity and gravity. He felt they overlapped and coalesced. For instance, that light would bend in travel because of the sun’s gravitational pull. At the time, these were maddeningly complex ideas with little experimental support. Despite the novelty and unknowns, he stuck his neck out — time and time again. He didn’t bend or sway to convention, and it ultimately made him famous around the world.

Throughout the book, Einstein is heralded for derision of power, authority, and status quo. Even greater, he seemed to attack the fundamental strictures and culture of materialism. It’s clear that his simple living values made him a better, more unique thinker. Without a doubt, Einstein was an early pioneer for minimalism in the face of excess. And here are 5 reasons how he was a minimalist:

1. He idealized simple lifestyles

Einstein was fascinated with bohemian living. Even in early letters to his first wife, he professed that they shouldn’t ever be trapped by society’s expectations. He seemed to love the idea of eschewing what so many wanted. Einstein loved bohemianism, as he found creativity and passion in literature, music, and science. He commingled the three and crafted magical mental imagery of difficult physical constructions. Self-described bohemians were countercultural, just like the beatniks, hippies, and hipsters of generations to come.

2. He disliked bourgeois pursuits

He consciously avoided upper class trappings. This is captured perfectly by a quote in the book. When traveling to another city, he stayed on an office couch instead of a hotel. His friend said, “This was probably not good enough for such a famous man, but it suited his liking for simple living habits and situations that contravened social conventions.” Fame didn’t mean he would suddenly change his way of living. The rebel inside him allowed for success.

3. He gave away much of his wealth

He feared that fame and wealth might affect and degrade people’s ability to live creatively. Einstein gave generously and even dedicated all the Nobel Prize winnings to his first wife. He didn’t crave wealth, nor did he live by its swings. Einstein enjoyed good coffee, cigars, and conversation. Money allowed for those staples, but otherwise was relatively unnecessary. The power of wealth could’ve purchased many conveniences and statuses, and yet he downplayed its ability. Take this passage from the book: “From Prague, Einstein took the train to Vienna, where three thousand scientists and excited onlookers were waiting to hear him speak. At the station, his host waited for him to disembark from the first-class car but didn’t find him. He looked on to second-class car down the platform, and could not find him there either. Finally, strolling from the third-class car at the far end of the platform was Einstein, carrying his violin case like an itinerant musician.”

4. He ignored conventions

Much like the Mark Zuckerbergs of today, Einstein didn’t follow social norms for dress. Comfort was the more important factor. His hair grew unruly in later life. It was iconic for him, as he was this renowned genius, but I believe that this was a subtle rejection of cultural mores. Einstein wanted to show he was unique in both thought and modest dress.

5. He took time for independent thought

Above all, Einstein’s genius was in his ability to isolate and focus. For days and weeks at a time, he could hole up in his study and work. He didn’t eat regularly, nor did he pay attention to much around him, but in that solitude, he solved some of the greatest questions of all mankind. His habits often made him cold and cantankerous, but it also cultivated a lifelong independence. Simple time alone was vital to discovery.

I’m nearly finished with the book, but these discoveries were too hard to hold back. I figured I’d share them with you as soon as I could. Within these passages, quotes, and stories, I see a man that feared the trappings of privilege. He was a social advocate, scholar, and seeker.

In a way, I wonder if I share something with Einstein: a fear of ever having more than enough. I fear what money can do, and how some people embrace elite statuses at the cost of others. If Einstein were alive today, I’d ask whether he feared he might lose his creativity if he lived more lavishly. My guess is that he would say “yes.”

Oh, one more thing, read his biography: Einstein: His Life and Universe.

Filed Under: Minimalism Tagged With: Albert Einstein, counterculture, Frugal, Income, Life, minimal, Minimalism, money, Physics, Simple Living, Universe, Wealth

We Could Only Bring The Essentials

By Frugaling 7 Comments

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Camping is in tents!

I was caked in an unknown quantity of sand, dirt, sunscreen, deet, and sweat. Every time I splashed water on my face, a brownish liquid ran off. As I looked in the mirror, my skin appeared darker by a few shades, with a reddish tinge. I had little doubt that I was developing a burn. Bug bites occupied nearly every part of my body — from head to toe. Three days in the Great Sand Dunes National Park had turned me into a mountain man with overgrown scruff. I was ready to try out to become the next Brawny man.

In this beautiful, alien landscape, I sat crosslegged with a book, ran through the sand, and generally paused to reflect. Life’s busyness faded momentarily, and the only nerves present centered on lightening and bears. These were real threats — everything else was illusory.

With my brother along for the ride, we entered the park with some essentials. There was the two-person tent, camp stove, water, food, matches, and our books. The agenda was two-fold: relax and adventure. I’m proud to say we succeeded on both accounts. We took a long night hike amidst the sand dunes, and relished in the opportunity to read along the river.

As I reflected on the trip, I couldn’t help noticing the takeaway: living simply is restorative.

Many consider camping to be rejuvenating, as people can reconnect with the world. But how can that be if we were missing many of our creature comforts? Heck, my brother and I practically slept on gravel! If we can somehow make do without superfluous items while camping for few days, why do we suddenly need them when we get home?

In regular society, surrounded by others, it’s hard to resist indulging. We buy the shirt that’ll be a “tremendous” addition to our wardrobes. We fantasize about the cars and homes we’ll buy and live in. We eat at the classy restaurant. We dream of contentment that we might have with just one more purchase.

Ironically, the beauty we experienced was because none of these options existed. The campground is magnificent because it’s void of the trappings of mainstream society. There aren’t any big screen TVs, billboards marketing unnecessary products, or commercials penetrating this isolated area. Most of the time, the park is immaculately cleaned and people tend to respect each other. There isn’t a discontent cultivated to encourage spending. They live by a “pack it in, pack it out” mentality. Competition is non-existent here. Everyone’s just trying to take it easy and slow down.

Back in the “real world,” people fight to change lanes — cutting each other off, jump over other shoppers for Black Friday deals, and amass gigantic McMansions with stuff in every nook and cranny.

After spending a few days in this separated world, part of me struggled to return. The essentials are simple: shelter, food, and water. And yet, we fight to make more, buy more, and sell more. Maybe there’s a happy medium, but as I returned home there was a culture shock. I wanted to stay, but obviously couldn’t.

Fortunately, the simple life needn’t end when the busy, city streets come into view. I needn’t regress to this unlearned state. As I transition back to society, I cannot help but wonder what camping taught me about living simply and minimally.

1. Pack light

Pretty simple right? When camping, you can’t bring or carry everything. The solution is to pack light. Get the tent you need, not the bigger one you might want. Don’t be afraid to wear the same thing day after day. In life, packing light means only bringing, buying, and holding on to that which sustains life.

2. Pack it in, pack it out

Whenever people go camping, they should pack up all the trash and mess they make and throw it away appropriately. Camping ethics says that you should leave a place better than you left it. If you brought disposable plates, bring them out of the park. Don’t pollute and litter amidst this beautiful place. Back in society, this helps remind me of my impact on the world around me. We can’t take our purchases into the afterlife. What we buy has a lasting consequence to the environment.

3. Seek out adventure in moments, not things

Nothing is better than free. Although there’s a nominal entrance fee, national parks make this lesson easy. Hours, days, and weeks can be spent exploring and learning. But that fun, adventurous spirit doesn’t need to stop when leaving the park. There are moments everywhere to look, go, and discover — it’s all about the attitude. When I first moved to Iowa, I struggled to occupy my time and spent more money trying to create fun. The best decision I made was to buy a bike and ride everywhere. There’s adventure out there, and money shouldn’t be the necessary variable.

4. Find ways to relax and reflect

There are always moments when camping where the wind blows through my hair and I breathe easy. My brain seems to take a pause, and everyday concerns evaporate. Relaxation is essential to a long life; even more, to creativity. It was on a drive to Burning Man that Elon Musk brainstormed the idea of creating a solar energy company with his cousin. And it was in music that Albert Einstein manipulated complicated physical concepts in his mind. Relaxation is only evil in a corporate world that asks its workers to do the same motion over and over again; there, creativity is shunned. Camping is a reminder that relaxation helps cultivate a diverse, capable mind. Whether in the wilderness or weirdness of home, relaxation and reflection are vital.

5. Respect the environment, each other

Camping in national park changes your appreciation of the environment. The research has repeatedly shown that when people connect with the outdoors, they learn to respect the world around them. When people go out into the wild, a togetherness is cultivated. By staying in a small, two-person tent with little room for more than a book, light, and sleeping bags, it was impossible to ignore the world around the camp site. Bad weather shook and stirred the tent. Rain pelted the lining and attempted to enter the tent. Quickly, I learned to appreciate the weather as the natural state that we must respect. The world has been around for billions of years before us, and is a powerful keeper. But we also must respect and take care of it in return.

Our daily lives offer up countless opportunities to consume more than we need, at great cost to our environment. If we focus on the essentials over the extraneous, we will greatly slow our contributions to climate change.

Filed Under: Minimalism Tagged With: backpacking, camp, camping, Climate, environment, great sand dunes, Minimalism, tent

Frugal Articles of the Week

By Frugaling 5 Comments

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Reading Nook Photo

Last week I took a little break from the frugal round-up. Sorry Frugaling fans, but I’m back and have a terrific list of favorite reads over the last couple weeks. Hope you enjoy and share widely!

Slow Cooker Chicken Ropa Vieja by Budget Bytes
This week I’m hoping to cook this special recipe up! Budget Bytes is one of my favorite frugal blogs because the author breaks down total and serving cost for all the meals. This chicken dish costs about $1.32 per serving. Heck yes, I’ll try it!

Living In An Expensive City Can Make You Richer, Happier, And More Diplomatic by Financial Samurai
Here’s a unique twist on the choice between big-city and small-town living. Sam reviews some compelling reasons for considering more expensive cities. One of the most interesting centers on the push and need for frugality in a bigger city with less space. Cities seem to be bastions for minimalism and simple living, and when done right, can still be affordable places to live.

Why Do We Like Brands As Much As We Like People? by Eric Jaffe
Do we love Apple, Coca-Cola, Microsoft, Pepsi, Google, etc? Can we love brands? If so, what does that mean for our spending habits? This article analyzes the very real effect that your love/like of brands has.

Millionaires Who Are Frugal When They Don’t Have to Be by Paul Sullivan
Frugality crosses income and wealth classes. It doesn’t mean that wealthy people can’t be frugal. This is a philosophy and way of life. Paul Sullivan from The New York Times perfectly highlights the trend of millionaires living well within their means.

Escape to Bro-topia by Steven Kurutz
Despite an abysmal, corny title, this New York Times article features one man’s simple life… in the trees. He built an incredible house in the forests of Oregon. Take a look at these pictures, too!

Filed Under: Save Money Tagged With: articles, brands, Food, Frugal, millionaires, Minimalism, Recipe, rich, Simple Living, Wealth, week

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