Tag

frugal living

Frugal Living, Lifestyle

How to Save Money with a Do-It-Yourself Home Energy Audit

Winter seems like a lifetime away. A quick check of the calendar and a shiver will run down your spine as only a few months remain before the heating season begins in the northern latitudes and creeps south.

Saving money is my favorite passtime. What other hobby provides so many tax-free financial benefits? 

If you are reading this at its regularly scheduled publication date, Mrs. Accountant, the girls and I are heading to or are enjoying the eclipse. Trevor McDonald contacted me a few months back asking to write a guest post. We worked together (he wrote, I edited and provided guidance and recommendations) until he had a solid piece you will enjoy reading. 

I'll let Trevor take the driver's seat and explain.




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Frugal Living, Lifestyle

Buy A Car at an Awesome Price (From the Dealer)!

One moment please. I need to wipe a tear from my left eye. <sniff>

There, I am better now.

Regular readers probably were wondering what happened to me yesterday. I normally publish on Friday and there wasn’t a whisper of evidence a certain accountant was anywhere to be found. I have a good excuse for my behavior: my oldest daughter bought her first car.

The process of buying her first car took time. She was working at it for 6 – 8 months. Dad didn’t do it for her either. I only gave advice; so like dad. She did all the work searching for a car and my job was to shoot down the idea. In the past I bought all my cars from the bank or credit union. Unfortunately, most financial institutions no longer mess around with selling their repossessed vehicles anymore, electing to move the assets at auction.

Unless you have a dealer’s license you can’t buy cars at auction. The effort to get and keep such a license is not worth it if you only buy a vehicle every 10-15 years.




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Credit Cards, Lifestyle

Manufactured Spending Without the Factory

Start your rewards card search here.

The biggest problem most people have with credit card bonus programs is meeting the spending requirements for the bonus. Business owners have an advantage. Landlords do too. Meeting a $3,000 spending requirement in 90 days is a snap of the finger for even a relatively small business or side gig.

But not every side gig has enough spending that can go on a credit card and if you only own a few rental properties and maintenance is not currently required you will need another source of spending to earn a bonus.

Readers of this blog tend toward the frugal side. Spending for the sake of spending for a bonus is crazy and you guys know it. Your personal spending is probably too low to earn many bonus cash awards or miles. Travel hacking gets harder when you save most of your income.

Manufactured spending is the solution bandied around the blogosphere. It sounds so simple at first. Find a source where you can recycle fake spending into cash and miles rewards. Well, how do you do that?




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Frugal Living, Lifestyle, Small Business

The Knuckle Dragging Neanderthal Meets Uber and Airbnb

Tax Collector? They opened an office for me when I visited Florida!

Earlier this year Mrs. Accountant and I attended Camp Mustache in Gainesville, Florida. We were offered a ride to the Camp, but we also had several additional days planned around the event. Renting a car in such a situation is expensive since the car would just sit there for days while my wallet was financially abused.

My youngest daughter rolled her eyes when I mentioned I needed the phone number to the Gainesville taxi service. She grabbed my phone and started working on it. This is an unusual event for anyone who knows me. I use my phone as a phone. Period. I don’t care about, nor do I want to know about any of the other things smart phone can do. I make my own breakfast, thank you.

In a few minutes my daughter completed her assault on my virgin phone. She added an app to my phone. (To this day I have no idea what an app is. Whenever the kids talk about apps I joke that we are living on The Planet of the Apps.)

I told her it was nice of her to put an app on my phone, but I’ll never use it. Another eye roll. “Here, dad,” she said pointing to the Uber icon now conveniently located in the middle of my screen. “All you do is touch the icon and tell the phone where you want to go.”

Huh?

Well, my fingers don’t work well with all the small letters and stuff on a phone so I have made a habit of avoiding the issue. Now I find out I can talk to my phone and it responds. Awesome!

I know, I know. You readers are rolling your eyes like my daughter. This stuff has probably been around for a long time. Somehow I missed it. I refuse to blame my stubbornness on “missing it” even though it is probably the reason why.




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Frugal Living, Lifestyle

Your Money or Your Wife

Divorce and money.

Warning: What you are about to read will be disturbing to many. Women and children should leave the room now. Men with a queasy stomach should also take a step back. It’s been two weeks since I dropped the f-bomb. The drought is over. I will use the f-bomb today in its correct dictionary definition to illustrate an important issue. This post is so volatile LinkedIn will not allow you to post this to their site even though your life depends on it. Facebook is good with it, however.

Money is the leading cause of divorce in the United States and in most Western countries. Marriages survive infidelity better than money problems. The worst part is how expensive divorce is and since money issues are the leading cause of divorce, it doesn’t solve the problem.

Then we need to think of the children. They suffer disproportionately. Adults have at least some control over their actions and the outcome. Children are helpless victims in the middle of elevated negative emotions. The damage is significant and lifelong.

Every marriage has its challenges. Forty-one percent of first marriages end in divorce. Abundant data on divorce exists, but there are large discrepancies in some of the data. It is also hard to put an exact number on the percentage of marriages that will end in divorce when the married couple are still alive. Using the number of divorces in a year compared to the number of marriages is useless. Still, many marriages end in divorce, statistics aside. Money is a large factor in divorce and divorce only exacerbates money problems.




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Frugal Living, Lifestyle

Your Garbage is Killing Me

Dreams are what make life worth living. As the years stack up we can look back at our lives and see the progression as life moves toward where we are today. Mistakes of yesteryear lose the edge of anxiety while still providing plenty of experience to draw from. What seemed like a good idea back then is painfully obvious today.

And then there are the things which blindside us. A perfect plan executed with precision yields the results we want before life throws one of the curve balls we hear so much about. Today’s story is about a man, me, who did everything right in this instance and still took a swift foot to the crotch.

So the record is straight, it’s your fault. Well, not exactly your fault unless you live in NE Wisconsin, but still your fault because you did it in your own community. Shame on you for acting the way you do. The worst part is you hurt neighbors and friends and now it will be your turn to stand still with feet slightly apart as the community takes a running start as they drive their foot home.

You’re not going to like what I have to say, but you must hear it. This is important. Your happiness is at stake.




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Lifestyle

Conclave

JL Collins is more photogenic than he lets on.

The wealthy, well-connected and powerful have controlled the masses by colluding in secret meetings as long as civilization has existed. The powerful retain and expand their hold on governments and common folk as a result.

Power works best when it plans and executed from the darkness, far away from hidden eyes. Some secret societies have become well known. The Illuminati is now a household word, even if their actions are still closely guarded. Other groups are known, but details are completely missing.

The wealthy have a habit of meeting around the world. These gatherings are media events. News outlets are eager for any droppings they can publish. All the good stuff never leaves the room

You probably heard of some of these groups. People in finance are well aware of the meetings in Davos and Geneva every year. The Bilderberg Group is less known, but no less powerful.

The wealthy and powerful control the masses by controlling the economy and determining which nations face war. Until now these secret societies and loosely formed groups of powerbrokers had no competition. Today that has all changed.




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Frugal Living, Lifestyle

The One Guaranteed High-Return Investment You Don’t Own

Every investment, even guaranteed ones, require priming the pump. Before you get paid by your employer you work; before you get paid a dividend or receive capital gains you must invest in the index fund first; before you get paid rent you need to buy the property and prepare it for tenants; before guaranteed government bonds pays you a penny in interest you must first buy the bond. You only get something out if you first put something in. This is true in every part of your life.

I grew up on a farm and after a few years living in town I moved back to the countryside where I feel happiest. Town still has a magical pull. Living in town means everything I need is close by. I can bike everywhere. The need for a car when living in town is minimal. If I lived in town I wouldn’t own a car. For long trips I would rent a vehicle. Uber, my bike and legs would handle 99% of my transportation needs.

Living on a small farm has advantages. The cost of living further from town is offset by the amount of free food, or nearly free food, I get. Raising my own meat (beef, chicken, fish and pork) means I know what is in it. Abundant garden produce means healthy living while the crops are in season. Asparagus in spring, radishes and other fast growing vegetables follow, and apples, apricots, cherries, peaches (yes, peaches in Wisconsin!) and grapes round out the abundant autumn harvest. There is so much good food and it is all free or nearly so. Too bad it doesn’t last all year round.

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