Frugal Living

The Master Archive!

Would you like to just see all posts links?  Click HERE for the master list!

The Slow DRIP to Massive Wealth

By Keith Schroeder / December 15, 2017 / 21 Comments

Back in the 1980s and 90s a company advertised heavily promoting dividend reinvestment plans (DRIPs). The commercial looked like a staged radio show with a woman telling the audience no one has an incentive to promote these great programs to invest in the biggest companies in America. I don’t know if the companies with DRIPs…

Read More

Prioritizing Tax Benefits

By Keith Schroeder / December 13, 2017 / 19 Comments

Two kinds of clients scare me most. The first ask me as they pick up their tax return what they can do to lower their tax bill. The other requires a pry bar to get complete information out of them during the year. Each of these clients scares me because I can’t give them a…

Read More

Personal Solutions to the Healthcare Crisis

By Keith Schroeder / December 11, 2017 / 33 Comments

In the United States healthcare has gone from crisis to tragedy. Double digit increases in insurance premiums for many years on one hand and a tax code that forces you to pay up on the other is a painful experience for many family budgets. The current tax code contains a health insurance mandate; have health…

Read More

Travel the World from Your Doorstep

By Keith Schroeder / December 8, 2017 / 10 Comments

Traveling is a real pain in the tail. Even people who love traveling don’t like the moving part. Planes, trains and automobiles are a necessary part of traveling. Without transportation you can’t get from here to there. People claiming to enjoy travel really are saying they like to experience other places and new people. Not…

Read More

The Approach of Buy Nothing Day and the Reasonable Way to Buy Gifts

By Keith Schroeder / November 15, 2017 / 31 Comments

Once I reached the age of majority I discovered something I learned to really hate. Money was tight in those days. I didn’t have a reservoir to draw from for basic expenses. Buying my first home required the purchase of my first furniture. There were always extra expenses to waste money on. It also seemed…

Read More

Camp Accountant

By Keith Schroeder / November 10, 2017 / 19 Comments

Over the last few weeks and months I’ve added secret messages in plain view on this blog. The easiest cipher (I thought) was on the Where Am I page. Over the last few months nobody said a word. When I finally added the easier cipher on the Where Am I page only one person contacted…

Read More

A Life of Failure

By Keith Schroeder / October 27, 2017 / 4 Comments

I’m such a loser. My whole life has been one failure after another and I’m sick of it. How many times have you felt this way? More than once, I bet. Life, no matter how fortunate, throws periodic curves. This is not a character flaw; it’s life. Hard times define you more than success. Success…

Read More

When Maximizing Gains are a Stupid Idea

By Keith Schroeder / October 25, 2017 / 7 Comments

There are times thinking like an accountant determines how much of your hard-earned money you get to keep and how well your investments perform. Money isn’t the only thing accountants think about either. Time is more important than money by a long shot and plays into the equation every time. This past week my oldest…

Read More