Hello my Peoples,
Welcome back in 2019. I hope you had a good holiday and had lots of love and cheer. We vacationed over the holidays at a lovely resort in Vermont. I wanted to enter the axe throwing competition but on the morning of it the temperature was zero. So, I, instead stayed in and enjoyed the beautifully fallen snow and finished reading the biography of Alain Locke. I would highly recommend this weighty reading. I don’t know if you have tried Groupon for vacation deals but I would highly recommend it. Now, Let’s get started fresh off the bat with some great resolutions.
Number 1:
Identify and eliminate destructive values from your life.
Although most values are positive, we all have those which are not good for us.
Like:
1. The desire for something for nothing. Symptoms can be playing the lottery, gambling or cheating.
2. The desire to gossip. It allows us to feel better or superior to talk about other people’s problems and while avoiding our issues.
3. The desire for instant gratification. After all some of us are a part of the “me generation”
Remember that identifying leads to correction. As Patti LaBelle says, “Don’t block the blessings.”
Number 2:
Create your dream list for the year.Write down things you would like to do in 2019.
1. Where would you like to travel.
2. How much money would you like to save.
3. What debt will you pay off.
4. Do you need to start a new relationship?
5. What new look would you like.
Remember, start small, baby steps can be achieved easier.
Number 3:
Create a list of your values, then make sure your actions align to your values.
If you say that you value frugal living but hit the mall every weekend, then your actions don’t match your values. Your values list should also include no monetary values like healthy living, family, security, peace of mind, happiness, spiritual healing, and don’t forget a healthy sex life.
Well, this should be enough to get you started for the New Year. I have already started working out at the gym a little. Remember, baby steps. I want to loose just 10lbs.
Again Happy New Year,
Frugal Frank OTBS
Thursday, January 10, 2019
Sunday, May 13, 2018
Don't Be Fooled or Bambozzled
Hello My Peoples,
I know it has been a while, but I am a hard working brother and have to make that money. Now that being said, I make my money from other things than financial advice. This separates me from the other cats on the internet blog sites. I am not trying to make money off of you, just spreading good frugal advice and love for my people. As my mother used to say, "People who love you will tell you what you need to hear not what you want to hear." SO AGAIN as I yell at you. Beware of people trying to make money off of you. Now don't get me wrong, you should protect your family with insurance and you should invest for your future, but you can research and do this for yourself without paying hefty fees. You can check this blog, ask questions, and seek out your library for some good books. Yes, as frugal fans you are going to have to read for yourselves. I am not your quick answer guy but we can have a healthy discussion once you educate yourself a little. I need you to join the ranks of the Frugal Franks On the Black Side, which means I am probably going to rename this site because I believe in the empowerment of black women and we need strong sisters and brothers. Now, just because I love my people don't mean I am against others. I love the human race, but my people sometimes get neglected. So, as I write this blog on Mother's Day, I have to give much love to my deceased mother who was a symbol of strength in flesh. She could pinch pennies like nobody's business and still do better than neighbors making twice as much as she.
So here is a list of the attributes of Frugal Frank OTBS fans:
1. They drive used Volvos, Honda Vans or Subarus
2. They take mini-vacation weekends using sites like Groupon instead of exotic ones
3. They invest in their children's education instead of clothes
4. Men wear Keenes, Clarks and Rockports
5. Women wear Keenes, Birkenstocks, and Danskos
6. Have 15 year home mortgages
7. Have assets of $1 million and are maxed out on 401K's and 403B's
8. Shop at Lands Ends, LL Bean, Thrift Shops and hit Tag Sales on weekends
9. Should be invested in some Berkshire Hathaway
10. Do not have Bitcoin (because we don't understand it yet, although Ripple is interesting)
11. Don't plan to retire-we will talk about this in the next blog
12. Send their kids to public school if they can
13. Don't Tithe but support the church not because of guilt but through love
14. Have switch to Apple Computers, software and tech is just better
Well, time to go. After All it is Mother's Day and Tiger Woods and Harold Varner III are making history making as the only two blacks on the LeaderBoard at the Players Golf Tournament.
Peace Out,
Frugal Frank OTBS
I know it has been a while, but I am a hard working brother and have to make that money. Now that being said, I make my money from other things than financial advice. This separates me from the other cats on the internet blog sites. I am not trying to make money off of you, just spreading good frugal advice and love for my people. As my mother used to say, "People who love you will tell you what you need to hear not what you want to hear." SO AGAIN as I yell at you. Beware of people trying to make money off of you. Now don't get me wrong, you should protect your family with insurance and you should invest for your future, but you can research and do this for yourself without paying hefty fees. You can check this blog, ask questions, and seek out your library for some good books. Yes, as frugal fans you are going to have to read for yourselves. I am not your quick answer guy but we can have a healthy discussion once you educate yourself a little. I need you to join the ranks of the Frugal Franks On the Black Side, which means I am probably going to rename this site because I believe in the empowerment of black women and we need strong sisters and brothers. Now, just because I love my people don't mean I am against others. I love the human race, but my people sometimes get neglected. So, as I write this blog on Mother's Day, I have to give much love to my deceased mother who was a symbol of strength in flesh. She could pinch pennies like nobody's business and still do better than neighbors making twice as much as she.
So here is a list of the attributes of Frugal Frank OTBS fans:
1. They drive used Volvos, Honda Vans or Subarus
2. They take mini-vacation weekends using sites like Groupon instead of exotic ones
3. They invest in their children's education instead of clothes
4. Men wear Keenes, Clarks and Rockports
5. Women wear Keenes, Birkenstocks, and Danskos
6. Have 15 year home mortgages
7. Have assets of $1 million and are maxed out on 401K's and 403B's
8. Shop at Lands Ends, LL Bean, Thrift Shops and hit Tag Sales on weekends
9. Should be invested in some Berkshire Hathaway
10. Do not have Bitcoin (because we don't understand it yet, although Ripple is interesting)
11. Don't plan to retire-we will talk about this in the next blog
12. Send their kids to public school if they can
13. Don't Tithe but support the church not because of guilt but through love
14. Have switch to Apple Computers, software and tech is just better
Well, time to go. After All it is Mother's Day and Tiger Woods and Harold Varner III are making history making as the only two blacks on the LeaderBoard at the Players Golf Tournament.
Peace Out,
Frugal Frank OTBS
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