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Prudence (aka Ruth)

Blog Info

Prudence Debtfree
Frugality/Saving, mindfulness in personal finance
Start Year:

Blogger Bio

Ottawa, Ontario, Canada
Life stage:
DIK (Dual Income, Kids)

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Latest Blog Posts

DH = Dear Husband A history of maxing out financially A month ago, I tried to explain one of my New Year’s resolutions for 2018: “A less S.M.A.R.T goal that I have is to fine-tune the self-discipline that I’ve been building over these last 5 years … I’d like to take another step away from […] The post Getting Away From “All-Or-Nothing” Compulsions appeared first on Prudence Debt - Free. ...
Posted: Jan 29 2018 @ 3:12 AM
DD2 = Dear 2nd Daughter DD3 = Dear 3rd Daughter My mom’s odd practice of reading aloud My mother had the odd habit of reading aloud. On her own. I was able, as a tiny child, to identify “Mommy’s book,” and I knew somehow that when Mommy was reading out loud, I was not to […] The post Reading Aloud: An Old-Fashioned, Frugal Pastime appeared first on Prudence Debt - Free. ...
Posted: Jan 22 2018 @ 5:12 AM
DH = Dear Husband DD3 = Dear Third Daughter Giving up cleaning service for debt-reduction When we first started our journey out of debt in June of 2012, one of the expenses we let go was a house cleaning service once every two weeks. It was a good frugal move, saving us $200 per month. […] The post Frugality, Housework, Household Dynamics appeared first on Prudence Debt - Free. ...
Posted: Jan 15 2018 @ 2:31 AM
It’s Sunday evening, and there’s a lovely view outside. The snow is falling, and since it’s been falling for a few hours, everything looks like a Christmas card. This is the kind of scene that makes winter look inviting. The caption could be, “Get out your toboggan!” Or, “Time to get your skis on!” Or, […] The post Commuting Blues = Early Retirement Goal appeared first on Prudence Debt-Free. ...
Posted: Jan 08 2018 @ 4:10 AM
DH = dear husband As I looked ahead to our journey out of debt in May of 2012, I wrote, “According to my rough calculations, it will take just over five years for us to get there.  But I’m not very good at math, and I know that the unexpected will happen, so I’m not committed […] The post 2018: Our Year of Debt-Freedom appeared first on Prudence Debt-Free. ...
Posted: Jan 02 2018 @ 12:55 PM
Wow! Christmas has taken over big time this year. I haven’t been able to do any blog writing (or reading – sorry!) this past week. I’ll be back at it for the New Year. If you celebrate Christmas, I wish you a wonderful season of celebration. To everyone, I hope you enjoy some down time, […] The post Merry Christmas! appeared first on Prudence Debt-Free. ...
Posted: Dec 23 2017 @ 1:55 PM
This is one of our flea traps – with over 40 caught. (Ugh!) DH = Dear Husband DD3 = Dear 3rd Daughter Our dearest Rocky died at the beginning of November. When we went in October to get him treated for fleas, some blood work was done, and it indicated he was having trouble with […] The post New Debt Reduction Analogy: It’s Like Getting Control of a Flea Infestation appeared ...
Posted: Dec 16 2017 @ 11:04 AM
My mom passed away. When I last posted, just over a month ago, she had been admitted to the hospital after a series of strokes. In hindsight, her final illness was not a long one – two and a half weeks. But while it was unfolding, we were all over the map in terms of […] The post Reflections on My Mother’s Passing appeared first on Prudence Debt-Free. ...
Posted: Dec 09 2017 @ 3:38 PM
The past week has seen a rapid decline in my mother’s health. A series of strokes has left her in the hospital, very weak. I said in last week’s post that when life goes off-kilter, a focus on personal finances doesn’t happen. That goes double now. I’ll be off-line for some time. I don’t know […] The post Off-Line for A Time appeared first on Prudence Debt-Free. ...
Posted: Nov 04 2017 @ 4:34 PM
DH = Dear Husband DD3 = Dear third daughter October progress: slow We started our journey out of all debt in June of 2012, and at this point, over 5 years in, we can see the finish line. $21,000 in consumer debt – GONE $81,000 in business debt – GONE $155,000 in mortgage debt – […] The post October 2017 Report: “Gazelle Intensity” Wanes When Life Goes off Kilter appeared first ...
Posted: Oct 30 2017 @ 4:34 AM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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