Shocking Discovery: We Are the Joneses

‘Keeping up with the Joneses’ is a surefire way to get yourself screwed over in life, and more specifically in your finances.

They are the people you hate, but spend an awful amount of money on to impress them. Money you don’t have so you have to take out a loan, to make matters worse.

That’s how the Joneses are most commonly described, and it doesn’t actually make you like them very much.

So here’s a funny twist: I just realized a little while ago that we are in fact the Joneses. How did that happen?

Experiment: Can Anyone Become A Morning Person?

The interwebz seems to be all about mornings these days. You’re definitely not one of the cool kids if you don’t get up at half past four, run a few miles, practice yoga, meditate, learn a new language and write 5000 words while sipping your homemade organic coffee. All before rest of society wakes up and leaves for work, obviously.

Monthly Report: May We Forget April

It’s already becoming more monthly now that I’m posting my second report!

It’s very helpful to sit down and reflect on how we’ve done last month, to keep us accountable and make plans for the period ahead. And for entertainment purposes of course, I always devour other people’s reports.

It’s crazy to see how much has changed in just one month. We live in the same house, with the same family, but other than that nothing seems to be like it was just a month ago.

What’s My Banana?

I remember a little while ago when Mrs. Frugalwoods devoted an entire post to her love for bananas.

Obviously, after reading it I never looked at a banana the same way. How could I have missed and underestimated the versatility of our crooked yellow friend for so long?

But seriously, her post apparently struck a chord with me because it did resonate. And it made me wonder. What’s the one thing I stock up on myself, and use for multiple unexpected purposes? The grocery item that gets me thrilled every time?

In other words: what’s my banana?

Change of Plan! Can We Take a Shortcut Out of Debt?

Yes, it’s a cliché, but it’s also very true: Life is what happens while you’re busy making other plans.

Our plan was plain and simple: Earn money, budget, set aside the difference and pay off debt like there’s no tomorrow.

So far so good, it’s pretty straightforward and one can never go wrong with paying off debt.

Then life got in the way a bit.

Friday Frugal Confession: I’ve Been Buying Lunch at Work


“Buying lunch? I don’t even know who you are anymore!”

Yes, it’s true.

The number one ‘rule’ in frugal life would probably be to brownbag your lunch. (I’m putting ‘rule’ between quotation marks here as J. Money pointed out that actually, there are no rules! I couldn’t agree with him more.)

There is absolutely no need to spend 5 to 10 bucks on a sandwich outside the house when you can bring your own damn slice of bread to work.

Making this change alone saved me 80 euros each and every month compared to the younger, more casually spending Mrs. CTC. All it takes is a little planning and a sexy lunchbox, and as I experienced I was eating much better and healthier once I started taking on this habit.

But this new job has got me eating out, spending a whopping 10 euros a week already! It’s a bit cheaper here than at the old place, but it’s still a waste of money in my mind.