Making Birthday’s Special on a Budget and Crypto Update

Most people enjoy Birthday Celebrations. Are you able to have a special Birthday and stay with in your Budget? With social media we see our friends or others throw these large Birthday celebrations and may feel like we need to do the same or even more to show our loved ones how much we love them.

One thing that social media doesn’t show us when they post these large Birthday Celebrations is there Financial Situation. Maybe they have no Budget? Maybe they are in debt? Maybe they have no Financial Freedom plan? I have worked with Doctors to Managers in the past that on the outside they looked well off financially but the truth was they were so far in debt that Retiring early wasn’t in the current picture. Some of them planned on working till they died.

I feel the best gift we can give to our kids is showing them how to live a Financially Responsible life. To live with in a Budget and to Invest Monthly towards our Financial Freedom plans. You may remember every Birthday celebration or gift you ever received but I don’t. I have asked many people in the past and they hardly remember their last Birthday. So, are Birthday Celebrations worth messing up your Budget or adding to your debt?

Some ways to try to make Birthdays Special with in a Budget are the following;

  1. Make your own Birthday Cake. You could make one for probably less than $4. If you go buy one made for you could range from $20 to $100 depending on from where you get it and the size. I have heard of people spending over $100 on a Birthday Cake. Crazy…
  2. Decorate the House with decorations from past years. We buy a lot of Decorations from Dollar Stores also to save money.
  3. Birthday Cards you can buy for 50 cents to $1 at a Dollar Store instead of paying over $5 for a Hall Mark card.
  4. Have the party at your House instead of going out to a Business.
  5. Cook your own food for the Party or order Pizza from a low-cost company.
  6. Bake or buy Cheap Cookies, Private Label Snacks, Chips and Pop. Private label can save you a lot of money.
  7. Don’t go broke with expensive gifts they won’t remember in a year. Buy small gifts so they have more to open. We give Candy and Gum as some gifts.

Any tips you have for others to try please e-mail them to me so I can pass them on.

Quick update on our Digital Currency for the Month. We are up 0.86% for the day and down 13.77% for the month. Remember I told you that Digital Currency is a Roller Coaster ride during the year and can have big swings. I think in December some people may sell some Digital Currency to cover Christmas Presents because they fell into their Christmas Giving Temptations and in January to April, they may sell some off to help pay Taxes.

Remember that the information in this Podcast is just what we do or our views. It is not for you to follow. You need to do your own research. We strive to Invest daily towards our Financial Freedom. Also, if you don’t have a stomach for the up and downs of Investing it may be safe to hire a Financial Planner to manage your investment’s. We do like Crypto Currency and feel Crypto could show our biggest gains in the future.  We less than 5% of our Net Worth in Crypto Currency so if they don’t turn out we won’t be broke.

My goal would be too able to live off a 3% withdraw rate when she retires completely. We live Debt Free and work really hard to live within our Budget. I feel we can adjust our Budget at times if we need too. If our businesses and Live4.Club Podcasts take off big she could retire fully sooner and help me with them both.

If you need more help, I can help with my Coaching service. I just want to help people have less stress about their Financial Future or their Retirement plans and spend more time enjoying life.

“The definition of insanity is doing the same thing over and over again, but expecting different results”. By Albert Einstein. I would also say the definition of insanity is believing you can live a financial responsible life without tracking how you are doing, having a budget and goals. I like following others who track their finances to compare our also. I enjoy helping people with their finances and goals.

Here are some positive quotes I like;

“Get your Money to Work for You… As hard as You Work for it.” By Napoleon Hill

“1. Make Money. 2. Use the Money to Make More Money. 3. Repeat the Process.” By Warren Buffett

“There is no way to happiness; happiness is the Path.” By Buddha

“Change Your Thoughts – Change Your Life” by Wayne W. Dyer

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Let me know your thoughts about this blog and let me know of others you would like me to do in the future. I feel we can all learn from each other. That is why I am in the helping people retire early, enjoy life more and be more successful. Also, please see my Disclaimer page.

Don’t give up on your dreams; don’t let others talk you out of your dreams. Make your dreams happen. Make it happen today.

As always, I am not giving you any Financial Advice and you should seek advice from your Professional Advisors to see what is best for your situation. See my Disclaimer at This is for entertainment only.

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We want to give our boys the best chance to have their money last them thru their retirement years and have them reach their Financial Freedom goals. They need to live somewhat with a frugal mindset and spend less than they make so they can Invest towards their Financial Freedom goals. The boys will need to maybe put off Net Flix or buying a New Video game or going to the movies until they are on the path to Financial Freedom.

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