Budgeting

Welcome to the Million in 10 budgeting page. Here you will find all articles associated with my lessons and insights on saving.

Budgeting although not key to our financial plans did come into play when I decided to take a sabbatical. At that point in time it was important to know what we were spending from month to month and how long it would take for our cash sabbatical savings to run dry.

Whether you are in debt, have financial goals or are simply curious about what you spend and more importantly when you spend it a budget is a must have to you.

Have a look at the articles posted. If you have thought of your own on what you read I invite you to leave a comment on the post and I will reply as promptly as possible.

5 Keys to Building Wealth

It has been close to a year since I created this blog millionin10 with the lofty goal of inspiring you to build wealth the way we did. I was a salaried employee with wife, kids, two cats and a picket fence (not white). I also happened to be an expat that came to this country [...]

10 factors to consider planning for retirement

Planning for retirement is not as easy as you think it might be. I’m not talking about whether you’ll go fishing or grow a vegetable garden. I’m talking about getting to retirement with enough funds to last you a lifetime. If you want to skip all the reading and go straight for the FREE Millionin10 [...]

How we saved $23,000 per year

You read them everywhere, how to save on …. Look around this blog and you’ll find them here as well; articles on how to save money. As you read them you might ask yourself how eliminating a dripping faucet can build you wealth. The answer is simple; all little amounts help, they tend to add [...]

10 ways to save money on your car

One of the bigger expense items in your life is probably you car. Chances are it wasn’t as expensive as the one above but nonetheless. There is the actual purchase of the car which is most likely the highest of all costs but then there is the upkeep and feeding it. Fuel, insurance, oil, small [...]

Know what it costs to run your gadgets

I run a dehumidifier every day from 8am to 8pm. I don’t like to but if I don’t the basement gets stuffy and with stuffiness cones mold. The dehumidifier costs me $0.68 per day to run. How do I know? Well, thanks to the KILL A WAT ™ meter. Yes, I’ve dabbled in a little [...]

10 ways to save money on your utility bills

Your utility bill is one of the constants of life (when you grow up and do that settling down thing). Cutting down that bill is a great way to work your way out of debt or towards financial freedom. Following is a list of 10 ways to save money on your utility bills. 10 ways [...]

5 ways to save money while on vacation

Well, we’re back from a vacation to the Netherlands. We had a blast. We stayed at a nice little villa in a quaint little town, had one of those cute little cars that looks like it rolled out of a cartoon and we went all around visiting the parks and attractions. We also of course [...]

10 ways to save money on your way to a million

One of the key ingredients to us becoming millionaires was to live below our means. For a long time into the 10-year-plan to become millionaires we believed we were living below our means. That was until I figured out we could save an additional $20,000 a year (that is not a misprint), getting us that [...]

5 Steps to become a millionaire

Our path to becoming millionaires was one that took time. It took 13 years to be exact. Throughout the 13 years the following 5 steps were at the core of what made us millionaires. 1. Start early. We started our path to becoming millionaires early in our 30s. Had we started earlier we would have [...]

Financial goals and plans start with education

And as some of you jump up and start shouting “Wrong!! Zuckerberg and Gates got rich dropping out of college and by following their dreams”. Simmer down; I’m not talking about a college degree. No, not saying it’s bad as it certainly served me well but of all things a college degree can get you, [...]