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Tracking Our Progress with "The Milestones of FI"

The road to financial independence (FI) can be a long and lonely one. Because FI strays so far from the norms of the rampant consumerism that fuels our capitalist society, it can be hard to stay motivated on the years-long journey to save 6 or 7 figures. Enter: The Milestones of FI On a recent […]

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Things I Wish I Had Known Then #4 – FREE MONEY!

What’s that, Frugal Mermaid?  Did you say FREE?  You’d better believe it.  In this post, I’m going to show you ways to get free and {almost} free money or rewards.  You want some? *Free* 1. Rewards credit cards You can get major cash, miles, or points, just by putting all of your normal spending on […]

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Things I Wish I Had Known Then #3 – Savings

Saving is, to me, the most important part of adulting.  More money = more freedom.  And isn’t that what we all want as adults?  We want our summer break back, am I right? There are a variety of ways to get more money (raises, side-hustles, cut spending, etc.) and I believe all of them are […]

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Things I Wish I Had Known Then #2 – Home Sweet Home

If Harry Potter can do it, we can too, right?  Ok, maybe that’s a little extreme.  Please don’t live under a staircase, unless you’re hoping that it will increase your chances of becoming a wizard. Home Sweet Home Ah, your first place.  Where you can sleep away the afternoon.  Where you can wander around in […]

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Things I Wish I Had Known Then – Work Hard for the Money

How old were you when you got your first job? I was 15, delighted to make $6.25 an hour working at the local park’s snack stand.  This was a highly coveted position, but I had an “in” with the family in charge, so I got the job. That was one of the best summers of […]

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What can $600,000 do for you?

Our goal is to save $600,000 by June 2026 and retire early in our mid-30s. But why $600,000?  Doesn’t it seem like a pretty random number?  Doesn’t it also seem like a LOW number to be able to live on for the rest of our lives?  Hasn’t the news been telling us that even $1,000,000 is […]

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The Frugal Mermaid: An Introduction

This is the story of a blissfully happy married couple striving to achieve financial independence. We are two twenty-something Americans living a frugal life in, of all places, Cartagena, Colombia.  Our journey started in June 2016, when I, the Frugal Mermaid,

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