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Ms Muse

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Financial Muse
General Finance
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Latest Blog Posts

Someone once said sang “love don’t cost a thing”.  And, boy, wouldn’t that be awesome.  Especially on Valentine’s Day.  A day that tends to be more pricey than not.  Not to worry though.  Here are 30 frugalicious, free Valentine’s Day ideas which will appease both the frugal nerd in you and the Valentine’s Day loving partner you (most likely) have. The retail industry tries to convince us of the complete opposite ...
Posted: Jan 31 2018 @ 1:45 PM
Over the past year, the Bitcoin craze has been blowing up the news cycle.  And it appears that everyone from CEO to the “guy” walking past you on the street wants in on it. Just like the dollars (or other paper and coin currencies in our pockets and bank accounts), Bitcoin alongside other cryptocurrencies can be exchanged for goods and services. Does that mean your local supermarket or gas station ...
Posted: Jan 24 2018 @ 8:45 AM
What I dreaded at first, has become quite the quarterly challenge.  Yes, I am talking about tracking my expenses.  A few years ago, I would have never thought about or done anything about it.  But since tracking my expenses for all of 2016 and discovering several eye-opening expense drains, I am now a believer! I hope that putting my expenses out there and documenting my progress will turn you into an expense tracking ...
Posted: Jan 17 2018 @ 8:45 AM
This month I have done something I wouldn’t normally have dared to do even a year ago.  Instead of investing in my trusty ETFs with low expense ratios and great return potential, I invested in individual stocks instead. *gasp* While this is certainly not something earth-shattering as a bazillion investors have done so before me, it is unusual at best for someone who has always walked on the “careful investor” ...
Posted: Jan 10 2018 @ 8:45 AM
Happy New Year Everyone : ) I hope everyone had a great holiday and possibly even a few days off.  I am back from my annual year-end vacation and, just like all of us, am finding my way back into the rhythm of day-to-day, non-holiday life. This year I have decided to start a new tradition.  Year in and year out, I experience holiday burn out.  Financially mostly, but also ...
Posted: Jan 03 2018 @ 6:45 PM
Over the past few weeks, I have been to more holiday parties than I care to admit.  I mostly go for the company.  And, every once in a while, even for the free food and drink. *frugal alert* While I mingled with friends and colleagues, all while dodging THAT co-worker who can’t hold his liquor, a common theme emerged.  “We love the holidays! We hate the cost!” Not difficult to ...
Posted: Dec 27 2017 @ 1:45 PM
Are goals for the new year pointless'  They can sometimes seem like the unattainable version of yourself and your life.  But, since 99.9% of us are usually buzzed by midnight on December 31st, anything seems possible, right' Over the past decade, I have set some realistic and some rather ambitious goals for myself.  You might be able to relate to some of them.  Or call me completely crazy… A Walk ...
Posted: Dec 20 2017 @ 1:45 PM
Every person with a pulse loves a few thousand dollars flying into the house every year.  Nevertheless, for the first time ever, I don’t want to collect a tax return next year.  And neither do you! Before you call me crazy, hear me out.  What is disguised as a bonus every year, is actually us lending the government money.  To make matter worse, it’s an interest-free loan. Related: Let’s Take ...
Posted: Dec 13 2017 @ 1:45 PM
Odds are the turkey buzz has long worn off now.  It has been two weeks after all.  And at this point, ignoring your holiday shopping list is just not an option anymore.  Bummer! Unless, of course, you’re in love with crowded shopping malls, fighting for parking spaces, and enjoy the seemingly never-ending sales pitch from every store.  In that case, all the power to you. Related: Emotional Spending Triggers and ...
Posted: Dec 08 2017 @ 1:45 PM
It is that time of the year again.  Everyone (myself included) is recovering from turkey dinner overload.  All thoughts are turned toward Christmas and what gifts to buy.  And, of course, what shindig to attend for New Year’s Eve. Why not add something else to the list of December activities'  How about what to save money on this coming year.  Of course (as my better half likes to remind me ...
Posted: Nov 28 2017 @ 6:45 PM


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