A few months ago, I read my first—and likely last—book on tax-planning: Tax Planning to and Through Early Retirement. It was my first book on the subject because, well, tax planning historically hadn’t ever exactly set my pulse racing. And my last, because, well, tax planning doesn’t exactly set my pulse racing. Actually, that ain’t entirely true. Since learning more about federal and state personal income tax provisions after discovering FIRE (and that they were […]

I moved out to the Denver metro area with my partner in 2009 after graduating from college (SPOILER ALERT NEWBIES, WE OLD). We’d been living in Boston and, uh, not only was the cost of living and housing pretty steep, but the job market in the area was waaaay competitive. We knew we wanted to move somewhere cheaper with more job opportunities (this was in the Before Times when most jobs were location-dependent). So we narrowed it down to a handful of places in the U.S. and did our research. Everywhere we looked was an urban area with lots of rural space nearby. So that almost completely excluded the East Coast from our search. We looked at places like Pittsburgh, Portland Oregon, Bozeman Montana, Denver, Santa Fe, Austin, and Seattle. Most of those places are now wildly expensive, but at the time they were way more affordable than, say, Boston, Chicago, or New York. We chose Denver because my partner’s company was able to transfer him out there and I got accepted to a graduate certificate program at a nearby university. Plus, some of my partner’s coworkers were also moving there, so we had immediate roommates. At the time, this move didn’t feel so monumental. Our attitude was “Hey, this could work, so let’s try it for a while.” Fifteen years later, I still live in Colorado. So I guess that means I should have some sound advice for deciding where to live??? Let’s find out in today’s episode of the Bitches Get Riches podcast! This week’s question Today’s letter comes to us from a follower who prefers to remain anonymous. So we’ll call them Pickle. Pickle writes: I just read your article about the issues living in tiny houses and loved it! Kitty said that her house was n-times cheaper than the nearest metro area and that made me wonder . . . did you choose where you wanted to live and then look for a house or did you base where you lived on the best housing option? I’d love to hear more about both kitty and piggy’s thought process on whether to live in city vs suburb vs town vs country. This question is a rich text! Which is, in fact, a requirement for every question we answer on the podcast. Including the one about B.O. Our answer [embed]https://youtube.com/watch?v=8Bn8c2UF3gI&version=3&rel=1&showsearch=0&showinfo=1&iv_load_policy=1&fs=1&hl=en-US&autohide=2&wmode=transparent[/embed] We’ve published a thing or two about moving in the past. So if you want to learn more, check out these fine, Bitch-crafted articles and episodes” Season 4, Episode 8: “I’m Queer, and Want To Find an Affordable Place To Retire. How Do I Balance Safety With Cost of Living?” Master the Logistics and Etiquette of Moving Out Season 4, Episode 12: “I’m Considering Moving Across the Country With My Partner. How Hard Is It To Start Over?” Season 4, Episode 2: “We’re Moving in Together but Don’t Plan To Get Married. How Can We Split Finances Fairly?” Season 2, Episode 5: “What Do I Need to Know about Moving into My First Apartment?” Five Reasons To Love the Tiny

ISAs and tax rules change more often than most of us can keep up with, and that’s exactly where they cost you money. Miss a Lifetime ISA bonus, misread your payslip, or ignore a fiscal drag threshold, and you could be handing over cash you didn’t need to. It’s rarely one big mistake that costs people the most, it’s a string of small ones that build up over years without anyone noticing. We’ve pulled five […]

Have you ever noticed that some frugal habits don’t just save money…they actually make everyday life easier? I’ve been thinking about that a lot lately. When I was younger, I thought being frugal was mostly about stretching a paycheck. Like many young families, we had more dreams than dollars, so we clipped coupons, watched grocery sales, bought secondhand whenever we could, and looked for simple ways to make one income go a little further. Looking back now, […]

This month will just be remembered for the heatwaves and football. The scheduling of the World Cup matches haven’t been great – I love the World Cup (but hate the corrupted FIFA) and have watched pretty all matches bar the … Continue reading → The post June 2026 Savings, plus other updates appeared first on Quietly Saving.

One of the best (and easiest) ways to save money is by making it happen automatically. Remove the human from the process, and things happen a lot more smoothly. When I first started automating our savings, I didn’t trust it – I was convinced I’d “forget” and overspend without noticing. Six months later, I barely … Read more

A few months ago, a group of my husband’s online gaming friends mentioned they’re planning to take an Alaskan cruise next spring or fall, and invited us to join. While we’ve mentioned the idea of taking a cruise some time in the future, this conversation put the decision, place, and time right at our doorstep. After some thought, we decided… why not? We have almost a year to save for it and plan the details, and […]

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If your budget is tighter than usual, small choices can shape how well you handle the months ahead. A clear view of your finances can help you respond calmly, reduce unnecessary pressure and make decisions that support your priorities without losing sight of your long-term goals. Understanding your financial situation Photo Credit: Deposit Photos. Start by looking closely at your current money habits. Track your income, regular expenses, debts, and spending patterns for at least […]