Don’t borrow money to live on while you go to school. If you must borrow, borrow only enough for tuition and books. You don’t need cable TV, Fancy cell phone plans, money for eating out or partying. If possible get a dependable roommate. If you work steadily, you won’t need entertainment. Peanut butter, whole wheat bread, and beans are nutritious, high protein foods, and you can keep them in a metal lockbox in your room if your roommate is a moocher.
Buy your clothes at resale shops and Goodwill if you don’t have cash. You don’t need as many as you think, especially if you don’t eat out and party. Take a job, any job, until you get one that pays better. Never quit one job till you have another. If your boss is an idiot, keep your mouth shut. If he really is stupid, he will undo himself without your help.
Live without credit cards. You will probably have to finance your first vehicle. Get a sturdy used car and drive it as long as you can. Luxury vehicles are for people with cash and those who plan to go bankrupt.
Start out with a small house. Pay more than the principle every month. Don’t upgrade till you have sufficient equity and cash. If you are a couple, make sure one of you can make the note if the other is out of a job or out of the picture. It happens.
Do without whatever you can’t pay cash for. You need less than you think. Take care of your vehicles and drive them as long as you can. Cook at home except for special occasions. Get a freezer and buy on sale. Enroll in a retirement plan as soon as you get a steady job at the highest rate you can afford. Increase your investment every time you get a raise. Chances are, the tax withholdings will make you bring home a lot more than you thought.
Take the vacation you can afford. Short days trips to the zoo and local attractions and camping, run far less than cruises and Disneyworld. Kids love this stuff.
When the kids are little, if you have the opportunity, work alternate shifts so one parent is with the kids as much as possible. You will save a fortune on daycare and have a better idea of what is going on. Teach kids the difference in what they want and what they need. It’s a good reminder for them and you.
Decrease your expectations. You don’t need all that stuff. Nobody cares, and if they do, find new friends.
Did I say it was quick and easy? I guess I was thinking in geological terms.

This is updated post. Please excuse the offensive word used in context in this story.
We were sitting around the fire one Saturday night in Mr. Grady Rose’s sitting room. The only light came from the fire. All the little kids lounged on the floor in front of the fire, pleasantly tired from an afternoon of play with full bellies. Mr. Grady looked like a gray-haired bear in overalls, not so tall, as burly and powerful. I loved hearing him talk about raising his boys. “I had to kill a hog a day to feed them boys. I told ‘em lot’s of times, ‘Them that don’t work, don’t eat.’ I always go to bed real early and am up by four. That’s the way I was raised. I can’t sleep past four, even in the dead of winter even if I ain’t got a bunch of cows to milk. I used to be out milking while Bessie cooked breakfast. Now I just sit and watch her. Anyhow, one morning up in January, them boys decided they wadn’t getting up. Bessie called ‘em once and they didn’t make a peep. I give ‘em just a little bit and hollered for ‘em to get up. Then I headed out to milk, ‘spectin’ to be right behind me when I noticed, they ain” got up yet.
“Hurry up and get your shoes on. We’re going to Mr. Grady’s house. You can play with his grandkids.” Daddy called behind him as he headed for the truck. “I ain’t waiting for you!”


