FIRE & Financial Independence

New Jersey teacher using pension calculator in modern home office

Blog, Early Retirement, FIRE & Financial Independence

NJ Teacher Pension Calculator: Plan Your Retirement

Frugal Harpy / June 7, 2025

NJ Teacher Pension Calculator: Estimate Your Retirement Benefits Wondering what your NJ teacher pension will look like? A simple tool […]

VTSAX vs FXAIX comparison chart banner with stylized stock market lines and finance icons

Investing 101, FIRE & Financial Independence

VTSAX vs. FXAIX: Which Index Fund Wins in 2025?

Frugal Harpy / June 7, 2025

VTSAX vs FXAIX: Best Index Fund Showdown Feeling lost picking an index fund? Trust me, I’ve been there. Deciding between

A cozy minimalist desktop scene featuring an open financial planner notebook labeled "Frugal Budgeting" with notes, over-ear headphones resting on top, a reusable coffee cup, a smartphone displaying a podcast app, and scattered coins and dollar bills, all arranged on a wooden table with soft natural lighting and warm shadows.

Blog, FIRE & Financial Independence, Housing & Debt, Money Mindset, Take Action

Frugal Living Podcasts to Inspire You (2025)

Frugal Harpy / June 5, 2025

Frugal Living Podcasts to Inspire You (2025): Your Audio Guide to Smart Savings! Are you tired of feeling the pinch?

A flat lay of a budget planning setup with a smartphone displaying a budget app, an open notebook titled 'Budget Planer' with income and expenses columns, a black pen resting on the notebook, and a cup of black coffee on a beige background.

FIRE & Financial Independence, Housing & Debt, Money Mindset, Take Action

Frugal Lifestyle Tips for Beginners

Frugal Harpy / June 5, 2025

Frugal Lifestyle Tips for Beginners Struggling to save money while craving financial freedom? You’re not alone—68% of Americans have less

smiling couple sits at a wooden table working on their monthly budget. The woman is writing on a printed budget sheet while the man looks at a laptop. They both have coffee mugs, and a pink piggy bank is on the table. The background shows a cozy, sunlit room with potted plants and warm decor.

Money Mindset, FIRE & Financial Independence, Minimalism vs. Frugality, Paying Off Debt, Practical Finance Guides, Reflections

How to Live Frugally & Save Money: 2025 Guide

Frugal Harpy / June 5, 2025

How to Live Frugally and Save Money in 2025: Top Tips Imagine skipping that daily coffee run and funding a

A gender-neutral person with short hair sits at a modern, tidy home desk, focused on a laptop displaying a financial dashboard. On the desk are two credit cards, a gray coffee mug, and a neatly arranged notepad with a pen. Natural daylight streams in from a nearby window, and the softly blurred background highlights the calm, organized atmosphere.

Paying Off Debt, FIRE & Financial Independence, Housing & Debt, Money Mindset, Practical Finance Guides

Best No-Fee Balance Transfer Credit Cards for 2025

Frugal Harpy / June 4, 2025

Best Balance Transfer Credit Cards No Fee in 2025 The best balance transfer credit cards no fee are a game-changer

Minimalist budgeting workspace featuring a laptop with a green calculator icon on screen, a beige mug labeled “Simple Living,” a multitool, and a folder titled “Budget Toolkit” on a clean wooden desk. Background includes a hanging plant and wall calendar.

FI Lifestyle, Minimalism vs. Frugality, Money Mindset, Practical Finance Guides

Minimalist Tool Kit: Essentials for Simple Living

Frugal Harpy / June 3, 2025

Minimalist Tool Kit: Essentials for Simple Living Picture a cluttered workspace transformed into a serene haven with a minimalist tool

Illustration of a woman working on her laptop surrounded by tax documents, a calculator, and a coffee mug, with a sign in the background that reads 'Estimated Taxes - Due April 15!

FIRE & Financial Independence, Housing & Debt, Take Action

How to Avoid Tax Penalties for Underpayment

Frugal Harpy / May 29, 2025

Avoid Tax Penalty for Underpayment: Save Money Now Is the IRS lurking to slap you with a tax penalty for

Smiling senior couple at kitchen table reviewing 2025 Budget Plan with a tablet showing retirement savings chart and a mug labeled 'Frugal Fuel'

FIRE & Financial Independence, Housing & Debt, Money Mindset, Take Action

Frugal Living at 60: Retirement Savings Hacks

Frugal Harpy / May 29, 2025

Frugal Living at 60: Retirement Savings Hacks to Thrive Retirement can feel daunting when you’re wondering if your savings will

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FIRE & Financial Independence, Couples Finance, Cut the Crap Series, Early Retirement, Emotional Triggers, FI Lifestyle, Housing & Debt, Investing 101, Mindset Milestones, Minimalism vs. Frugality, Money & Relationships, Money Challenges, Money Mindset, Paying Off Debt, Practical Finance Guides, Real Results & Reflections, Reflections, Scarcity vs. Abundance, Take Action

The Best Frugal Living Books (Updated 2025)

Frugal Harpy / May 29, 2025

Frugal Living Books Guide Ready to save $5,000 this year? I’ve been there, trapped by credit card bills and impulse