Expense Report- October 2019

Low Expense Diwali is my kind of Diwali! Happy Diwali and welcome to the times when we are actually updating our blog at least monthly. October was a good month financially and we brought our expenses way down. While our focus this month was to get our expenses lowered there have been a few expenses that we had been putting off for some time. We did spend a bit on those but we are still running...

The two powers of money aka how last year changed us and our approach to money

Money is powerful but not only because it can purchase the necessities. Today we are talking more another the subtle power related to money- the power of being able to say this much is enough. There is an immense comfort in knowing you can throw money at a problem, because you plan for emergencies as we do or you are simply rich. There is similarly a comfort that comes from knowing when the...

Royally Frugal household still going strong- A much awaited update

  Financial independence for us is the amazing thing which allows you to go with the flow of life. We are far from calling ourselves remotely FI but in resent months I have loved the freedom of not fretting about money or other issues around it while we concentrate on maximizing our careers. Last few months have been far too busy on the work front for us to be able to look closely into our...

How to not bring work home

We work in a job that can get stressful and irritating not because of what is in your job description but due to the people we work with. There is indecision from higher ups, inexperience and incompetence at all levels and then there are people who expect you to hold their hands as they do their jobs. Before we go ahead let me say this, neither one of us is a saint and we are incompetent to take...

Reality Check- We bought a lot of stuff

This was perhaps the best thing that could have happened to us- a reality check. This post had started completely different. We felt that we did really good last year especially with our clothing and heeling purchases. Guess what that didn’t happen. The Past When we started working I was very much interested in getting myself a shoe collection to rival Carrie and a decent set of clothes to go...

Why we chose to pay more to live close to work

In most of the big cities around the globe people live around 20-30 Km away from where they work. There are many reasons for this decision but one of the most important one is rents are higher closer to work than 20Km away. When we shifted to the new expensive city we also had to make the same decision. We considered our options at length and came to a few conclusions: None of us wanted to spend...

Update 2016: How did Royally Frugal household do?

Why are Updates necessary? You ask. When we work towards a long term goal it can be very easy to get distracted. Are you looking at retiring in 10 years by saving aggressively? You are lucky if you can retain the gusto every month and every day. This is what makes it important to set smaller goals and keep reminding ourselves that there are smaller and seemingly needless decisions which will make...

The Way November Went

November was almost near October in terms of spending but a lot better in terms of comfort. The memory foam mattress we spent on in October is finally rewarding us with great sleep. Overall it was one expensive month, with a lot of changes both in how we look at things and actual changes which will affect our lives in the long term. We spent around 27000/- this month apart from rent and mortgage....

Update-How have we been?

It's a time for update. Diwali was just a few days ago and the few days of holidays we had have again reinforced our desire to retire and that too as early as we can. October was probably the busiest month in terms on our jobs and we have barely had time to think about anything except meeting the deadline. This has resulted in silence on this blog and a lot of delayed decisions personally. But...

Royally Frugal Life: What it means for us?

What exactly is a royally frugal life? If you have ever had this question, prepare to be answered today. When we were wondering what to call the blog this name stood out and called to us because it is exactly the kind of life we have and want. We are not Royals. Yes a lot of people in our country can actually boast of royal blood we are not one of them. We are not rich either, when both of us...