Ten Things Science Says Will Make You Happy

One of the advantages of the current downturn in the economy is that it gives people a chance to get in touch with what kind of career would really make them happy.  If you can’t earn a high salary, then it makes sense to consider instead what would bring a sense of greatest life satisfaction (assuming you’re otherwise able to get your basic survival/basic comfort needs met).  Our friends at Yes! magazine are very much in touch with this shift in the national mood.  They just Continue reading

Which web-based tracking programs do you recommend?

A woman emailed yesterday to ask if we could recommend any web-based programs to track spending.  Vicki addressed this issue in an earlier blog post entitled “Tools to Track By” which cites a Christian Science Monitor article that discusses a few of the various sites.  I was also interviewed on National Public Radio’s “All Things Considered” a few weeks ago on this topic.  The most popular of the sites is  Continue reading

“How long does it take to reach FI?” and other recent inquiries

Vicki and I just finished answering questions for a blog interview with Tight-Fisted Miser and thought we’d share our responses with you:  

What makes Your Money or Your Life different from most personal finance books?  There are three big differences.  First of all, most financial advice assumes that “more is always better” – more income,  more status, and more stuff.  Your Money or Your Life is different because it helps you instead to answer the question, “How much is enough?” This is a radical shift Continue reading

Getting value and saving money on batteries

Before you shift your attention to something more interesting (like those dust bunnies under your desk), I hope you’ll choose to read a bit on this subject because these tips will save you money and help reduce your environmental impact. As you probably know, most batteries contain mercury which is environmentally toxic. Some stores, like Ikea www.ikea.com, now sell alkaline batteries that contain no mercury or cadmium at all. Best of all, they cost only $1.99 for a ten-pack which is the cheapest I’ve ever seen. Although Ikea earns points for accepting all types of batteries for recycling, it’s still important to minimize the number of overall batteries we use. On that score (and in terms of long-term cost savings), rechargeables win over alkaline batteries every time. I have been using rechargeable batteries for years but recently learned that the technology has vastly improved. My favorite blogger, Continue reading

Getting value and saving money on car insurance

I was recently invited by the kind folks at the Oxbow Eco-Center in Florida to give a talk on Your Money or Your Life on April 4. My husband and I decided it would be a great opportunity for a family vacation with our two daughters, Elli (6) and Bella (3). Flights were too expensive, so we resolved to drive our 2001 Mazda 626. The only problem is that our car now has 93,000 miles on it which made me think that we needed a back-up plan in case the car died mid-trip. I decided to call my insurance agent to confirm the details of our road assistance policy and wanted to share two aspects of the conversation: Continue reading

Coming to NYC, Boston, FL, CA, VA and WA

Vicki Robin and Monique Tilford will be in NYC this week. We’re hosting a very informal meeting on Thursday night, March 26 from 7-9pm in Manhattan. To get the exact details of where we’re gathering, please RSVP to m.tilford@hotmail.com. Our NYC Regional Coordinator Teri Niadna will also be attending. We hope you’ll be able to join us — we’d love to meet you.

Vicki and Monique will also be hosting a weekend workshop at the famed Rowe Conference Center in western Massachusetts June 12-14. All are invited — from newcomers to those who have been doing the steps for some time to those who want to teach the nine-step program. For full details, visit www.rowecenter.org.

Within the next month, Vicki, Monique and Mark Zaifman will also be speaking in California, Washington, Florida, and Virginia. Visit Continue reading

Want to serve as a YMoYL regional coordinator?

Although some people are able to reach financial independence all by themselves after reading Your Money or Your Life, most of the people I know prefer to work the program together with other like-minded individuals. In fact, we get at least one email a day from someone in the U.S. or Canada who wants us to help them find other YMoYL advocates. Would you like to help others successfully implement the Your Money or Your Life program? If so, I hope you’ll Continue reading

Help! My spouse doesn’t support the program

We recently received an email from a reader who has been married for many years. He said he loves his wife very much but that he is getting frustrated because her spending is not in alignment with his and is threatening his overall success in practicing the Your Money or Your Life program. What should he do?

The truth is that many people have struggled with this issue and have found a variety of creative ways to overcome it. I’ll offer three initial suggestions here. First of all, Continue reading

“Where should I put my money now?”

Vicki, Mark and I have been doing radio interviews all week to help promote Your Money or Your Life. One question we keep getting is “Where should I put my money now?” First of all, it’s important to remember that the primary message of the book is all about the importance of accumulating a nest egg and then putting it in conservative investments that can grow without too much risk. Given that context, here is what we’ve been suggesting listeners do with any spare cash they want to invest: Continue reading

Tips for the Self-Employed

Thanks to all of you who have emailed us at info@yourmoneyoryourlife.info to share information or to ask us specific questions about the Your Money or Your Life program. We recently got an inquiry from a man who wanted to know how freelancers and self-employed people are supposed to apply the real hourly wage concept. The short answer is that we encourage practitioners to calculate the average from all income sources to determine one’s hourly wage each month. For a more detailed answer to this topic, visit www.financialintegrity.org. Continue reading