Abundance, Zucchini Fritters, and Pear Cake

A few weeks ago, in my roadmap to happiness, I mentioned knowing what is enough for you. In our consumer society, we always seem to want more and have a difficult time “settling” for what we already have. But having gratitude that we have enough—enough to eat, a place to live, health care when we need it, family and friends—can make us rich beyond our wildest dreams.

Abundance, Zucchini Fritters, and Pear Cake


I was reminded of this wealth during the past few days. My wife Suzanne volunteers at a food bank, and the clients there don’t always have enough. It is difficult to see people struggling for basic needs. Thankfully the food bank is able to provide them with a considerable amount of food. The donations they receive provide not only canned and boxed goods, but fresh bread, dairy, and produce as well as frozen meats. Of course when you have perishable goods, it can be a challenge to manage the inventory with the demand before they spoil. And that is why last week we received the unexpected abundance of a case of zucchini, several pounds of carrots, and a case of ripe pears. Continue reading

A Roadmap to Happiness, Success, and Financial Health

The following blog post is part of the The Road to Financial Wellness Blog Tour.
Over a period of 30 days, the Phroogal team will go to 30 locations to raise
awareness about financial empowerment. Today they will be in Elizabeth, NJ!
Our goal is to help people learn about money by starting the conversation.
We understand  that local conversations can help bring
about national awareness.

I worked for forty-five years in the business world before I began writing this blog in my retirement. That’s how long it took me to put together, in a simple way, how you can achieve happiness, success, and financial health in your life by focusing on a road to that very goal. By avoiding many of the mistakes I, and many others, have made over the years, you can improve your chances of feeling that feeling that makes you a success.

A Roadmap to Happiness, Success, and Financial Health

It seems like most of us work very long, hard hours, making personal sacrifices in the hope that we will make more money and get promotions. Despite doing that, most of us aren’t really happy in our current situation. We want more, but we don’t seem to know how to get there. A big part of the equations is that we think that being financially successful makes us happy, and that monetary wealth guarantees we will have it all. Continue reading

Happy 1st Blogiversary to Super Saving Tips!

Well, who would have believed it? Some 70 posts and a year have just gone by in a flash. Just a year ago I was looking for something to do and keep busy in my newly retired life and little did I know then that this blog would grow into what it now has become! Originally a once-a-week project, it now is published twice weekly, usually on Tuesdays and Fridays. It continued to evolve into an interesting, personally rewarding, and hopefully beneficial endeavor.

Happy 1st Blogiversary to Super Saving Tips!

The original concept here was to write about my experiences and recommendations in retail shopping and saving money, Continue reading

How to Teach Your Kids About Money

I often wonder if every family realizes the importance of teaching the kids about handling money. Money certainly is a topic that comes up every day, and when your kids reach a certain age, they should be included in the process that can teach them how it’s earned, spent, saved, and donated to help others and worthy causes.

How to Teach Your Kids About Money

Children are most likely to be receptive to this kind of education at an earlier age rather than later. Teenagers, for example, think they already know everything there is to know, have a competitive mindset when it comes to status with their peers, and certainly mom and dad can’t really teach them about much, can they? Young children are constantly absorbing and asking questions and being curious about everything. Money is no exception. Continue reading

What You Can Learn from “Judge Judy”

Judge Judy.  It’s a TV show. It’s on every day all over the USA and other countries. It’s the best known of the syndicated court-type television shows and Judge Judy, a.k.a. Judith Sheindlin, is the highest paid TV judge in the world, by far. I get it. You probably love the show or hate it, but I readily admit that I watch it often. It’s one of my guilty pleasures of retirement.

What You Can Learn From Judge Judy

Despite its comical and sometimes ridiculous stories and litigants, you can actually learn something from the show. I’m in constant amazement about what appears to be the most common sense concepts that are unknown or truly ignored and regularly quoted to the “real people, real cases” by Judge Judy. Continue reading

Preparing to Celebrate Saint Frugaltine’s Day

You remember Saint Frugaltine, don’t you? Patron saint of those who wish to save money while remaining romantic? Well, Saint Frugaltine’s day is coming up soon and those of us who wish to celebrate have some planning to do.

Now if you’re one of those people who don’t celebrate, who think it’s all part of a grand conspiracy to get you to spend more money, let me ask you this: if how much you spend (if anything at all) is up to you, what’s so wrong with celebrating love on just one day a year? It doesn’t even have to be romantic love (singles, I’m looking at you!), it can be family love, friend love, pet love, hobby love or whatever kind of love you value in your life. If you do nothing else for Saint Frugaltine’s day, at least spend a moment of gratitude for the love that you have. You’ll instantly feel richer.

Preparing to Celebrate Saint Frugaltine's Day

If you want to celebrate, let’s look at some of the ways you can remain true to your budget while displaying your passion for your love.

Continue reading

Happy New Year 2015

As 2014 quickly comes to an end, we should all take a moment to count our blessings, learn our lessons, and take stock of what we experienced. I look back on a year that started with lows and ended with things in a much better place. My health has greatly improved, my finances have made steady progress and I am happy to continue writing this blog. I am grateful for all these things and more, but I particularly want to thank you for reading along as my blog has taken shape over these past 8 months. Hopefully 2014 turned out to be a good year for you as well.

Happy New Year 2015

My wife and I have finished evaluating the details of our 2014 finances and adjusting our budget for 2015. We’ve also spent time setting our goals for next year and creating detailed plans to achieve them. If you haven’t done these yet, it’s not too late! Really!!

Be safe as you celebrate the ringing in of the new year, and have a joyous and prosperous 2015!

Best regards,

Don’t Make New Year’s Resolutions, Do This Instead

It’s that time again, when the year is drawing to a close and we begin to think about the better versions of our lives that we want for the future. And so we make new year’s resolutions as people have done since ancient times. These days we resolve to lose weight, to eat better and exercise more, to save money, to get out of debt, to drink less or to quit smoking, and just maybe to actually be a more loving person. But how resolved are we if these resolutions are infamous for being broken?

Don't Make New Year's Resolutions, Do This Instead

In a recent article, Money suggests that people making financial resolutions fared better than with other types of resolutions and that’s a start. But instead of just making resolutions, what if we made goals backed up by a plan? Continue reading