3 Hobbies that everyone should have

The more you focus on minimizing distractions in life and maximizing value, the more time and money  you have at your leisure. That is the whole goal of being a Valuist. When we have more time at our leisure we have to make sure we are spending it creatively. Your activities should be relaxing as well as enriching.

3 Hobbies

3 Hobbies that everyone should have

The definition of Hobby is “An activity done regularly in one’s Leisure time for pleasure”. When you look at the definition the watching Netflix on couch with bag of chips will  fit the criteria. Assuming you are doing it in your leisure time, it certainly gives pleasure for most of us. That is the reason I like to modify the definition. My definition is  “An activity done regularly in one’s leisure time that fits at least one or all of the following criteria”

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Make your own Ghee

We all know fat in its pure form is good for our health. Fat has been vilified over the years. But now we know the real culprits for poor health are sugar, processed food, food laced with chemicals and trans fat.

Ghee or Clarified butter is one of the purest and healthiest forms of fat. It is very delicious and has several health benefits.

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May Frugal Wins

Indoor spring cleaning is a piece of cake when you are a minimalist. It took me about one hour to do a thorough spring cleaning of our entire 3500 sq ft home. The biggest reason being lack of accumulated clutter.

Outdoor cleaning was something I dreaded. We have been living in this house for over 5 years now.  So as you can imagine the windows and outdoor vinyl on the front porch had started getting dull and a nice coating of mildew.

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4 Simple Debt Management Tricks and Tips

In a recent poll conducted by NBC showed that 75% of millennials in the US are in some form of debt. A quarter of millennials — those 18 to 34 years old — are over $30,000 in debt, including 11 percent who are over $100,000 in debt. Only 22 percent of millennials are debt free. This has caused many to hold off some of the key milestones in their life.

There was time in my life, as well, when I had approximately $36k in revolving debt and these did not include my mortgage, car payments and others. Over a period of 4-5 years, I was able to turn around my financial situation to just the house mortgage debt and approximately $125k savings in the bank. How did I do it?

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April Frugal wins

April was a month I made a big change to move to working part time hours! With both our children in school age I felt I am needed a lot more at home. We ran the numbers and decided we are in a reasonably good shape financially that I can afford to take a salary cut.

Although we can easily manage our expenses even with our newly reduced income, We are constantly looking to find new ways to save money.

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Manage your digital data like PRO using these 4 apps

Managing personal digital information is crucial in this day and age. These materials can include digital photographs and videos, documents, e-mail, website passwords, and quick notes.

In this post, I will go over four apps or services that will help you become a Pro on managing you data. It may not necessarily work for everyone in every situation. Nevertheless, they do help in consolidating the information and manageable format.

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I can live without these..but I chose not to- Money well spent!

We are strong believers of spending money on making memories instead of spending money on products. So we usually plan couple of fun vacations with our kids every year. This, we think, is money spent well.

However, every now and then we come across some products or services that we can totally do without but they add so much value to your every day life.

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Traveling with Kids? Do these to take the hassle away

Traveling with kids is not easy and it gets worse when it is a long haul international flight. Over the past 5 years, my wife and I have had 10 trips which includes 11 countries with our now 12 and 7 year old children. Obviously from these number of trips, it is evident that we love traveling. My kids love them as well and are always look forward to the next trip.

Among all this, there was (emphasis on the “was”) something they hated. It was the plane ride, the waits at the airports for security check ins, at the gates before and at the time of boarding and finally immigration when they get back. I could not disagree with them as I hated these too but being an adult, but I was not in a position to complain.

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Lending Club Review – My 2 year Investing experience

Having been using Lending Club as an investing platform, here is my experience….

I had been reading a lot on generating passive income. Few of the blogs mentioned peer-to-peer lending as a way to diversify investment portfolio. Lending Club and Prosper were the two popular vehicles. Not having tried this platform, I decided to start small.

Today I wanted to bring up my experience after two years of investing on Lending Club.

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