Earn More, Spend Less: Volume 17

Michael Lux Blog, Earn More, Spend Less 9 Comments

2013 is coming to an end.  Next week I’ll discuss some of my goals for the upcoming year, but I think it is first important to look back at the year that was.  What went well?  What could have gone better?

For me, this was the first year that I kept track of every penny spent for an entire year.  Not only was it really easy, but it shed some light on many places that could be sources for a reduction in spending.  For those of you who don’t use services like mint, or keep manually keep track of your books, I’d highly recommend it.  I thought I was pretty frugal and efficient with my money, but better record keeping showed me many ways to improve.  One example was eating out.  I thought it wasn’t a very common occurrence, but the numbers didn’t lie.  Now we spend a little extra on groceries each month, and our restaurant spending has gone WAY down.

For the last time in 2013, here are some tips from around the web on earning more and spending less…


Holly @ Club Thrifty writes Body Language in the Workplace – What do you think about body language in the workplace? Read this post to find out what Mitchell Pauly thinks.

Larry @ KrantCents writes Why It May Be best to Keep Working after Winning a Lottery – You purchased a winning lottery ticket and now you are a sudden multi-millionaire and your first thought as you calculate the winnings is that you will never have to work another day in your life.

Chad @ The Stock Market and I writes Too Much Diversification? – Individual investors are getting a new investment group to utilize for an added level of diversification. The problem is: you might not want to use it. Alternative investments are making their way into mainstream with some notable changes catered to the smaller investor. They are meant to imitate the much more complex investments of hedge funds

Pauline @ Make Money Your Way writes What Fundamentals Affect Commodity Prices – Troy continues the investing for beginners series, and now he talks about what fundamentals affect commodity prices.

Little House @ Little House in the Valley writes Investing as a Way of Earning Passive Income – Despite the multitude of challenges that face forex traders, however, this market has become increasingly accessible in the wake of social, economic and technological evolution. As a consequence of these changes, part-time traders and individuals with limited experience of the market now have an opportunity to earn significant profit.


Betsy Muse @ ConsumerFu writes How to find the best deals on Amazon – Save more by spending less when shopping on Amazon. No matter what you are looking for, you only need three things to find the best deals: extra time, flexibility and ConsumerFu’s secrets to finding the best bargains on Amazon.

Mario @ Debt BLAG writes The lessons I learned paying off all $35,000 of my credit card debt in 2013 – I paid off all $35,000 of my credit card debt in 2013; in this post, I outline the most important steps I took and the lessons I learned along the way.

Lisa @ Secrets 2 Save writes 5 was to save on a vacation – Who does not like to travel? I know I like to travel and I know it is kind of expensive to stay in hotels, airfare, cabs, etc. In this article I share with you some of the secrets that will help you save money when you travel. So your next travel trip can be significantly cheaper than your previous ones.

Dee @ Color Me Frugal writes 8 Ways to Save Money in the Shower – Start your day right- save money in the shower! Discover 8 innovative ways to save water, money, time, and natural resources.

Natalie @ Debt and the Girl writes Finding Ways NOT to Worry about Money – I have been on a mission to try and redefine myself again. I know that seems cliche but since things changed a few months ago, I have been trying to decide what would make me feel really happy at this time while finding what I want to do.

John @ Frugal Rules writes I Was Called Frugal and Got a Little Offended – Many people confuse being frugal with being cheap, when in fact they’re nothing alike. Frugality involves wisely using your resources while being cheap won’t spend money. How would you classify yourself?

Justin @ Root of Good writes Running Out Of Money In Early Retirement – Depleting all your assets during early retirement is a common fear for those seeking financial independence. Here are five reasons why it’s unlikely you’ll run out of money and four tips to avoid depleting your investment portfolio in early retirement.

Miss T. @ Prairie Eco Thrifter writes Ways to Save on Travel Without Using Rewards Credit Cards – Travelling doesn’t have to be extremely expensive. Here are some of the ways I’ve been able to save:

  • DebtDiscipline

    Great List! Happy New Year!

  • Student Debt Survivor

    This year I really need to track how I’m spending my money. Once I became debt-free, I sort of let myself “relax” a little bit. Tracking spending is really important and I’m sure I’d be “shocked” by all the little ways I’m overspending.

  • I try to hold the line on spending while doing all I can to earn more. It is easy to get caught up in lifestyle inflation, but life is always better without money stress.

    • Money can be a huge source of stress. Not letting lifestyle inflation get the best of you is a great way to avoid the stress.

  • Ryan @ Impersonal Finance

    Awesome list! I definitely need to track my spending in real time, rather than sit down and do it every couple of weeks. I know there are places I could shave some dollars off of the spending and add it to the savings.

    • Interesting thought. Do you think the real time tracking will make a difference in your monthly spending?

    • Ryan @ Impersonal Finance

      I think so. Right now, I’m doing it every couple of weeks, quite honestly because I don’t have the time to do it more frequently. It’s good because mid-month I can see where I need to cut back for the second half of the month. But, were I to do it weekly, or every other day, I could make more adjustments, be more flexible, and then maybe not have the first half of the month be spending-heavy. Although, I try to limit my spending whenever possible.