turbotax 2017 home business download vs cd

There's a lower limit to how much you can save, but not an upper limit to how much you can earn. I realize now that it probably would have been easier to focus on making more money instead of squeezing the life out of every penny. Likewise, you can subsist for pennies on beans and rice, but eventually, you'll have digestive and nutritional problems if you don't diversify your diet. That limited how well I could track our spending and eliminated any opportunities I had to sell things online to make extra money (because I didn't pay for a smartphone either).

We chose not to pay for internet in our apartment for a few years. I learned by experience that there comes a point beyond which cutting spending is no longer helpful. When you can't afford anything beyond food, rent, and tuition, making spending decisions is easy - the answer is always 'no.' At the time, I thought that this style of frugality was synonymous with being financially literate.Ī hindsight evaluation of my frugal budgetĮven though our highly frugal lifestyle helped us meet a lot of our goals, more experience taught me that an austere budget alone didn't solve all fiscal problems. Money management was pretty simple back then. We managed to dig ourselves out of credit card debt and cash flow my husband's master's degree while I stayed at home raising our children. This frugal strategy worked for several years. I once got a dozen bottles of shampoo for $0.19 each, and I was dang proud of myself. I'd regularly go to two or three grocery stores a week to keep our spending on food as low as possible. I was a mad coupon clipper and bargain shopper. The main takeaway was 'spend as little money as possible.'Īnd we did. These had a lot of helpful information about how to stick to a budget, pay off debt, and put our needs before our wants. In a desperate attempt to learn how to add some padding to our always-empty bank account, I checked out several library books on personal finance.

Turbotax 2017 home business download vs cd