Being Frugal

How to save and spend efficiently

Cable TV – Do We Really Need Them?

We live in the central bay area, we can get TV over the air, therefore, we don’t really subscribe any cable TV. The reception is great for us to get all the major channels for news and shows that we like: all the CSI, we watch mostly PBS for the kids early in the morning

Smart Phones-Do We Really Need Them?

Smart phones – Android – i- phones, most people seem to have them these days. We upgraded our phones a few months back, we’re the old fashion types – plain phones, NO text, No Data, we turned off everything and we’re still paying 3 phones for the family $76 a month. I wanted to get

Gamble With Diamond Lane

Every morning we take car pool lane to work, and every few days, we see these single drivers driving in the car pool lane and some did get caught by the CHPs. These drivers seem to like to gamble with the $371 fine if get caught. I don’t know if it’s worth the time, the

Lies Lead To Debt Problems

Sometimes, someone pointed out the real problems of people who are heavily in debt and it’s so obvious. The bottom line is that when you’re in debt, you’re the problem, fix yourself instead of making excuses for spending more money and getting more debt. People with debt problems tend to share a common costly trait: