Author Archives for Erin M

Erin M. is a personal finance freelance writer passionate about helping others take control over their financial situation. She shares her thoughts on money on her blog Journey to Saving.

8 Questions to Ask Before Paying Off Debt

Posted by Erin M on July 17, 2017 | 10 Comments

Is paying off debt your number one goal? Then ask yourself these 8 questions before beginning your journey to set yourself up for the most success.

It’s typical to have a lot of questions before paying off debt. You may wonder if you can pay off debt fast, or if you can even achieve debt freedom….

Why You Shouldn’t Let Debt Hold You Back

Posted by Erin M on March 31, 2016 | 24 Comments

Have you let debt hold you back? Are you tired of making sacrifices for it? Here's why you should put your happiness first and still kill your debt.

I’m sad to say this is my last post for Frugal Rules. I’ve enjoyed writing for all of you and am thankful John gave me this opportunity, but as…

4 Ideas For Earning Passive Income (and Why You Should)

Posted by Erin M on March 24, 2016 | 24 Comments

Earning passive income is a great way to pursue financial independence. Here are 4 passive income ideas anyone can start with a little work.

Have you ever wished you could earn extra money without having to be at work? Isn’t that one of the best things about paid time off?

Imagine being on an…

The Power of a Wealthy Mindset

Posted by Erin M on February 25, 2016 | 12 Comments

A wealthy mindset helps you grow wealth and achieve your goals. Here are some of the traits needed to grow wealth and create the life you want.

Is becoming wealthy one of your financial goals?

Or have you completely dismissed the idea of wealth because it seems unattainable?

There are typically one of two beliefs people have when…

4 Ways to Keep Track of Your Money

Posted by Erin M on February 19, 2016 | 16 Comments

Keep track of your money easily with these four methods so you know where your money is going, how much is coming in, and how to use it best.

One of the most basic and fundamental rules of personal finance everyone should follow is this: keep track of your money.

While I’m not a huge fan of budgeting in…

Why You Should Care About Your 401k

Posted by Erin M on February 11, 2016 | 18 Comments

Your 401k is the best way to start saving for retirement. Here's what you need to do to invest in your 401(k) and why free money is so important.

Do you know if you have a 401k through your employer, how to take advantage of your 401(k) or why you should take advantage of it?

Many young adults don’t. They…

What Do You Really Deserve in Life?

Posted by Erin M on February 4, 2016 | 18 Comments

What do you deserve in life? We tell ourselves we deserve something when it hinders our goals. Here's a way to have what you want and still have freedom.

How many times have you told yourself you deserve any one of the following:

A vacation
A new wardrobe
A night out
A spa day
A drink
A mani/pedi
A new phone
A new laptop
A new car
All…

I Can’t Believe I Spent $1,000 on…

Posted by Erin M on January 21, 2016 | 8 Comments

Want to take control of your finances once and for all? One of the easiest ways to do that, along with tracking your spending, is by understanding your motivation…

It’s Not Luck, It’s Hard Work

Posted by Erin M on January 14, 2016 | 29 Comments

We attribute many things to luck, but it really comes down to hard work. Here's why you need to banish the phrase "good luck" from your vocabulary.

Wow, $10,000 a month in income? They’re so lucky!

I wish I had a million dollars saved up in my retirement account. Must be nice.

Why am I the only one…

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