
Steve Cummings
Personal Finance Writer at The Frugal Expat
Writer at Budgets Make Cents
Living my Dream Life | Traveler and Personal Finance writer helping to inspire people to live their Dream life. https://t.co/Pg2gSveZf9
Articles
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1 day ago |
budgetsmakecents.com | Steve Cummings
Imagine it’s a Tuesday morning. You’re sipping coffee, not because you have to rush out the door, but because you actually have the time to enjoy it. No commute. No Zoom meetings. No boss. Just you, your time, and whatever you choose to do with it. Sounds like a fantasy, right? It’s not. Welcome to the world of FIRE—Financial Independence, Retire Early—where more and more regular people are designing lives of freedom long before age 65. No trust funds. No lottery tickets. Just smart, intentional living.
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3 days ago |
thefrugalexpat.com | Samuel Darwin |Steve Cummings
Want to travel more but feeling stuck by your budget? You're not alone. Nearly half (47%) of Americans plan to spend more on travel this year compared to 2023, but here's the kicker…Most people are missing out on some of the smartest ways to make their travel dreams affordable. While everyone's talking about cutting costs, savvy travelers are discovering how to unlock better deals through strategic financing.
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4 days ago |
budgetsmakecents.com | Steve Cummings
Imagine waking up sipping your coffee slowly, and realizing—you don’t have to work today. Or tomorrow. Or ever again. Welcome to the dream of FIRE: Financial Independence, Retire Early. At the center of this movement lies a deceptively simple idea—the 4% Rule. But can this rule really be your golden ticket to living free forever? Let’s dig into the truth. The fact of retiring early may not be in your plans at all.
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5 days ago |
budgetsmakecents.com | Steve Cummings
Money isn’t just about math. It’s about emotions, instincts, habits, and how we feel about success, risk, and security. Each person grew up with a different money mindset. Those that grew up with not much money has a very different way to think about money compared to those that had an abundance. That’s the core message behind Morgan Housel’s bestselling book, The Psychology of Money, a timeless read that dives deep into why we make the financial decisions we do—and how we can make better ones.
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6 days ago |
budgetsmakecents.com | Steve Cummings
Let’s be honest—budgeting doesn’t sound fun. It can feel complicated, tedious, and overwhelming. But ignoring your spending doesn’t make the problem go away. In fact, it usually makes it worse. That’s where the Dave Ramsey Budget Percentages come in. Love him or not, Dave Ramsey has helped millions of people start budgeting by breaking down expenses into simple, easy-to-follow categories.
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This guy has never lived in Florida. Making up numbers to get clicks I see.

People move to Florida for the sunshine and 0% income tax. But it now takes $97,386/year for an individual — or $217,651 for a family of 4 — just to afford living there. Maybe the grass isn’t greener. It’s just warmer.

$Cost could be one of the best stocks out there. Their average return over the last 15 years is 23.75% almost beating $SMH which had 23.78%.

My gym is hiring part time receptionist jobs. The flyer says to talk to the receptionist about the job. I went to talk to the receptionist, but there was none... They really must be hiring.