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Posts Tagged ‘frugal habits’

Free Tickets to Any NFL Game for You!

Learn the secret to scoring free tickets to any game at any time. Enjoy football, soccer, hockey, baseball or basketball from the inside. You and your friends will have the best time ever! #wealthyaccountant #hockey #football #free #tickets #basketball #baseball I preempt our regular programming. I had an awesome post planned for today, but then my oldest daughter returned from college and told me something that made my mouth sweat. (You can enjoy the planned awesome post Thursday.)

Regular readers may remember I swore off commercial television decades ago, including my beloved football (not to be confused with soccer, my non-North American friends). Still, football is a massive part of the backwoods lifestyle of Phuket, Wisconsin. (Can you blame us? It’s all we have! Either that or admiring our frozen tundra.)

Now I know what you’re thinking. You like football and if you enjoy the sport you should be able to enjoy the sport. I agree. But readers around here are frugal and it takes a king’s ransom to get into the game! If you’re lucky enough to be in the 1% it’s still affordable, but if you’re in the 1% somebody else paid for those tickets or you don’t attend such extravagant events. Paying for NFL game tickets is for the 99% and chumps.

You can blame this post on procrastination. All weekend I kept promising myself I’d write Monday’s post early and get a jump-start on posts for when I was at FinCon in a few weeks. Instead, I focused my attention on YouTube videos of the Red Green Show. I think you’d agree it was a good trade-off.

Before We Get Our Free Tickets

I’m writing this late Sunday night (because I never wait until the last minute to write what needs to be published Monday). The Packers are playing the Bears in the late game. Yes, I’m missing all the action once again. But my daughter’s words echoed in my mind: free Packers tickets.

If you gave me free tickets to an NFL game I’d sell them. I have never—and never will—watch an NFL game at a stadium. If God hates me I might end up forced to watch a commercial laden television broadcast at the family Thanksgiving gathering.

Score free tickets to any sporting event you want. Planning is simple and fun. You might even get paid to attend a football, soccer, basketball or baseball game. #wealthyaccountant #free #football #baseball #soccer #basketball #tickets One reason I’ll never watch a game at Lambeau Field is because I heard they play the commercials in the stadium to all the chumps who coughed up serious change to attend. Is there any way to avoid this garbage? You can correct me in the comments, but it;s what I’ve heard.

Deep down I secretly hope the Packers get clobbered early in the season. It is soooooo annoying listening to the nonstop football discussion as if it makes any difference. I hear it at the office, from family, clients, at the gym while lifting weights and worst of all, in the friggen steam room at the gym when I just want to do is unwind. (FYI: I can’t name the coach or a single player on the team.)

Yes, I defend your right to watch any sport you want; I just don’t want to hear about it.

And my dream came true! Due to the nugget of knowledge imbued by my daughter I was interested enough to check Yahoo Sports to see how the Packers are doing tonight and they are getting gutted 20 to nothing. Hahahahahah!

Ah, the gym will be so quiet tomorrow as the proletariat licks their wounds as I workout. (Okay, smartass! I procrastinated more than you thought. I saw the 20-0 score on Yahoo and went back to enjoying Red Green. Then I vomited a little in my mouth when I went back and saw the final score. Looks like a mass shooting is a high probability at a gym near a certain accountant’s establishment. God, how I dream of the time each year when the Packers are out of the playoffs.)

By now you’re probably wondering if I have the goods. I do. The reason I tell you all this stuff is because the information I need to impart takes all of 15 words to explain and I have column inches to fill. This is powerful information and needed dissemination. So, on to the meat of our presentation.

How to Snag Free Tickets to Any NFL Game

Once again, I don’t have insider information on any of this so you just have to trust me.

Football tickets are expensive. I’m guessing they run a hundred bucks or so per person, plus parking, program (do they charge for those things or even still have them?) and food. They probably charge to use the restroom.

Attend any sporting event free with this little known secret. Planning is important. You and your friends can enjoy any football game for free. You might even get paid to see the Super Bowl. #wealthyaccountant #superbowl #sports #sportingevent #planning #americanfootballThis is serious ka-ching. The kids have to stay home at these prices or dad would be set back a thousand smackeroos or more!

No more procrastinating. What I discovered is more than free tickets to any NFL game; you actually get paid to go to the game!

It works like this. Game day is a messy experience. Stadiums need to keep on top of the garbage intoxicated fans keeps throwing everywhere other than the waste basket so they pay people to come to the game and tidy up.

Each team is different, I’m sure. But all teams have the same problem and need to keep things tidy on game day. And this is where my daughter came in.

The secret she told me was PTK (Heather is a smarty pants and is the VP of the Wisconsin PTK) sends people to Packer games all season to raise money for the organization. For the Packers at least, you need at least 10 people to attend during the game. I was told the group was paid ~$800 for 5 hours of time during the game and they actually get to see some of the game (always a downside).

For frugal people like you this is a monster idea! Not only can you save hundreds on an expensive habit, you actually have a very part-time side gig! Aren’t you excited?

There is a potential catch. I’m unsure if only non-profit organizations are allowed to do this. But that is a small speed bump people for folks as intelligent as the people around here. Heck, you can gather your buddies from the tavern league to get the requisite 10 people. (Hey, if you consider NFL tickets an acceptable expense you also probably spend crazy amounts of money on watered down hooch at the local tavern.)

Game Plan

Every team in every major sport probably has a similar program. If you really do love the sport, this is a good way to support your team while enjoying the game from the inside. Rather than crack open your wallet for an expensive outing, consider participating. You can attend the game for free and get paid!

Yes, you don’t get to enjoy those very comfortable seats. Instead, you can walk around as you enjoy the game. When you see trash blowing around you pick it up and put it where it belongs. As a responsible citizen you do that anyway. Right?

Regardless your sport of choice, check into this nugget of information. Check what the rules are for your favorite team. You can earn a few dollars while enjoying a great time out with friends. If it requires a non-profit, join one. Then volunteer. The organization probably keeps the money, but so what? You help a good cause while getting free entertainment. Think of all the fun.

Disclaimer

I know I was facetious in this post. It was about the only way to write it. Just because I walked away from spectator sports decades ago is no reason you can’t enjoy the game. I made my choice; you should make yours without regard to a crazy accountant’s personal decisions. The idea is short, sweet and to the point. But sporting events are expensive and this information can make game day more fun than ever, raise money for a cause (or you) and allow you free attendance.

My choices are different than yours. You can maintain a frugal lifestyle while enjoying the good things in life. I bet helping out on game day would make the game even more pleasurable. It is different than passively sitting in a chair and watching the game. You can be part of the team effort.

Honestly, I enjoy the excitement the guys at the gym express when the Packers are doing well. I don’t watch, but still cheer on the home team. I only know the name of one player. (Rogers is still the quarterback, right?)

Spending money is okay, no matter what you’ve heard. Overspending is a different story. Professional sports can set you back serious coin. Especially while you are reducing debt and building toward financial independence, you should focus on reducing spending. Now you can keep spending low as you build your wealth and enjoy the things you like in life.

And I saw the Packers eked out a close one. Must have been a nail biter. The guys at the gym will be excited. I’ll be excited for them, too. Go Packers! Even if I never see a game this year.

 

More Wealth Building Resources

Personal Capital is an incredible tool to manage all your investments in one place. You can watch your net worth grow as you reach toward financial independence and beyond. Did I mention Personal Capital is free?

Side Hustle Selling tradelines yields a high return compared to time invested, as much as $1,000 per hour. The tradeline company I use is Tradeline Supply Company. Let Darren know you are from The Wealthy Accountant. Call 888-844-8910, email Darren@TradelineSupply.com or read my review.

Medi-Share is a low cost way to manage health care costs. As health insurance premiums continue to sky rocket, there is an alternative preserving the wealth of families all over America. Here is my review of Medi-Share and additional resources to bring health care under control in your household.

QuickBooks is a daily part of life in my office. Managing a business requires accurate books without wasting time. QuickBooks is an excellent tool for managing your business, rental properties, side hustle and personal finances.

A cost segregation study can save $100,000 for income property owners. Here is my review of how cost segregations studies work and how to get one yourself.

Worthy Financial offers a flat 5% on their investment. You can read my review here. 

Decluttering

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Okay, this is not my living room! It is a side of my home office. In my defense I did not put all that stuff there.

There is a genetic defect in The Wealthy Accountant’s family. It is so serious it threatens to overrun everything we value, costing us money and health. No one doubts grandpa accountant possessed the genetic mutation back in the farming days. Dad accountant followed in grandpa’s footsteps and a brief look around my home will erase any question in your mind the acorn does not fall far from the tree.

When I was a wee tyke my grandfather had a special job for us on rainy days. Rather than take a day off he sent us kids to the old shed where all the nails and screws from assorted jobs were thrown into a wooden bin. Our job was to separate them. Lest you think I am pulling your leg I have a sworn affidavit in my drawer, god forbid I would throw that away.

Nothing was wasted on the farm. The Great Depression left an indelible mark on my grandparents as they saved everything “just in case”. When we talk frugal today we have nothing on my granddad. Nothing. We worked hard for the sake of working. The fear in the back of our minds was the hardship of the Great Depression would return. It did in 1982, the year I graduated from high school. The late 1970s put the family farm in debt and the inflation and interest rates of the early 1980s ended several generations of farming.

I live in a county with a current population under 50,000. I live more toward the center of the county. If you exclude the heavy population in the northwest corner, the county is very rural. I grew up in one of the ruralist (is that a word) parts of the state. We never spent money on anything unless absolutely necessary. The milkman would deliver dairy products when he picked up our milk. Grocery shopping was a major event. I was a senior in high school when I left the county for the first time. My uncle did not leave the state until he was in his 40s and it was to cross the Illinois border by ten miles to pick up his oldest daughter when her car broke down. He left the state one other time in his life for his honeymoon several years later (he enjoyed a cruise).

The Diagnosed Sickness

The genetic disease I speak of is clutter. My grandfather’s house took months to empty after he died. It boggles the mind the material a guy can collect over 90 years when nothing gets tossed. Of course, most of the garbage, I mean belongings, ended up in a dumpster. One of the items we struggled to part with was a vintage home-made jar of thistle wine from 1976. It was a good year for thistles.

When do we finally say enough is enough? My grandparents ran from a monster that never existed. Some things need to be discarded. Quality of life was sacrificed to satiate the demons. I am better than most in my family but the photos in this post attest to a few minor issues I need to deal with.

The first step is admitting you have a problem. Progress has been made over the last few years. There are tricks to reducing clutter in your life without the emotional response of parting with a loved one. (Okay, it’s junk. Junk! You bought it for twenty-five cents at a rummage sale fourteen years ago and it has been collecting dust for all those fourteen years. Junk.)

If you read this far you are all for decluttering your life and living a more minimalist lifestyle. I have seen all the different internet challenges to create a minimalist lifestyle. They don’t work for people who need an intervention. Taking a 100 item challenge (get rid of everything except for 100 things) is meaningless when you have 42,611 pieces of crap lying around the place. I have a farm. Do you know how much the local landfill would expand if I tossed all but 100 items in my life? Geesh!

Steps to Declutter Your Life and Take Back Control

Clutter destroys quality of life. Taking control of your life requires downsizing. If you have a storage unit to hold all the stuff you can’t fit in your home/apartment there is a great place to start downsizing and saving money. There are few reasons to have stuff in a storage unit. If it does not fit in your home then maybe you should have keep your money in your wallet.

Here are some ways I have reduced the stuff cluttering the house or office:

  • For every item brought in the house one has to go. It’s a simple theory until you realize you need to choose something in your arsenal to sell/donate/junk if you want a new item. Want to make it a bigger challenge? If a family member brings in something and refuses to choose what goes, you choose one of your things. A month or two of that and you begin to realize you have the ability to preach.
  • Start with one room and put everything in that room in boxes, you know, the boxes you can never throw away. Anytime you need something from the boxes feel free to take that item out. Stuff you did not use after a month goes to Goodwill. You might even get a deduction. Tell’em the Wealthy Accountant sent ya.
  • Get honest. I love my books and as frugal as I am I have way too many books I could have borrowed from the library the one time I wanted to read them. Movies are worse. A decade or so ago I got the crazy idea I would buy movies since I did not waste money on cable. It did not take long to build a pile of shit, I mean movies. One day I got serious and donated over half to the library. (I can always check them out if I want to see them again. So far, never had the itch to check out one of my donated movies. Go figure.) It is time to get rid of half the remaining half this year. I call it ‘The Garbage Bag Declutter’. Get a garbage bag and fill it with stuff for Goodwill. You know who to them sent you. Right?
  • Books are a different story. I have parted with few of my children, ah, books. Well they treat me better than my kids! Okay, I jest. But bibliophile knows exactly how I feel. Some day, when I am strong, I will part with two, maybe three of my cherished books. I may not post for a while as I go through the stages of grief, but no one can say I don’t walk the talk.
  • Act like you are moving. Want to make decluttering easy? Simple. Act like you have to pay to move all your sh . . . junk by the pound. You will figure out real quick how important that rummage sale bargain beanbag chair is. I know. It was a good idea at the time.
  • Paper party. One of the worst offenders of clutter is paper: newspapers, mail, letters, magazines, et cetera. Take time to sort the piles of paper. Tax documents should be saved in a filing cabinet and disposed of after the statuette of limitations runs out. Be sure to keep important paperwork like the deed to your properties. And the marriage license. Don’t throw that out. Yikes! Mrs. Accountant would have my neck if I tossed that. Paperwork that seemed important six months ago might be candidates for recycling or shredding. Old magazines have to go.
  • Don’t forget the basement, attic, side rooms, and closets. If you have a big mess, start with one room at a time, tackling one per week, or one per month if you need more time to recover from the shock of the previous room. Yeah, you might find some moldy stuff back there. Good thing you finally cleaned that corner out after a decade.
  • Don’t let people dump stuff on you. A portion of my clutter comes from well-intentioned people giving me something they thought I needed and now I feel obligated to keep. Christmas is a no-gift zone in my house. No Christmas tree either. We have a plant we call Fronds we decorate with whatever we can find. It looks strange, but then again look who is giving the advice.
  • Set a date/have a plan. Packrats with genetic issues have a hard time starting the decluttering process. I find setting a date to free a room from bondage works for me. Trick yourself into doing it. The clean, decluttered, minimalist room is the one you will spend most time in afterwards because there is room to move.
  • Don’t forget the bathroom either. Clean out all old medications and first-aid supplies. Bandages from 1974 might need a refresh. Brill cream after fifteen or so years is nasty.
  • Uncluttered/minimalism is sexy. A room is inviting and alive when there are few items in it. Act like Steve Jobs. He never found the perfect furniture so he never bought any; he sat on the floor. Put off until tomorrow what you want to add to a room today. Most of the time on second thought you will take a pass.
  • Don’t stop now! Your computer looks like a hurricane went through it. Pack stuff away in folders. Your computer desktop should be neat and clean with a slant toward efficiency.
  • Personal life. Your cluttered personal life needs some cleaning too. All the demands and commitments are making a mess of your time. You only get so much of that time stuff so you better be careful or you will run out before you learn to enjoy life. Declutter your social life and you will appreciate what you have more.
  • Learn the meaning of enough. I get offered stuff all the time. I say no a lot. It takes a while to learn how to say no without hurting feelings, but it is a valuable skill once learned. Many times my decision to pass on a beer or other stuff allows the other person to say no too. It empowers you and them!

I dream of living a minimalist lifestyle. Three seconds in my home, office, or barn and you will know I am nowhere near completing that goal. Reaching the perfect decluttered, minimalist life is not the goal; it is all about the journey. Freeing yourself from clutter a bit at a time extends the great feeling of freedom when you realize you have less stuff to take care of or worse, protect.

I gotta get going. The garage needs some work.

Buying Stuff Just to Throw it Away

The Number 1 way to save money is also the easiest. Reach financial independence with frugal habits that take no effort. When it's easy you stick with it. Frugal tips. #wealthyaccountant #frugal #money #saving #1 #frugality #spending #spendinghabits #frugalhabits #frugaltipsOut in the boondocks where I live the garbage is picked up every two weeks; recycling once per month. Until a few months ago this arrangement worked well. Garbage was placed in a large barrel the garbage truck could automatically empty into the truck hopper. Recycling was placed in blue plastic bags with paper and cardboard placed in either a box or tied in a bundle. A few months ago the system was changed for recycling. Bags were replaced with a blue barrel the same size as the garbage barrel. I understand why the change took place. Under the new system the recycling company could run the route with only one employee. The truck has a lift (like the garbage truck) to grab the barrel and empty the contents.

The problem comes from the amount of recycling I have. All the recycling from my office, farm and home went into the barrel and it was not big enough. It was hard to believe I had so much crap every month. The garbage barrel was almost empty; we have one small kitchen garbage bag for disposal every two weeks. But the recycling did not fit. At first I wanted to blame all the stuff (a technical term used by hard-core wealthy accountants) on the office and farm. Certainly, they played a roll, but personal recyclables still would fill the barrel monthly.

Whenever I see stuff going to the landfill or recycling center I start thinking. Why am I buying all this stuff only to throw it away? The only way to understand a problem is to research it. I had to know where all the recyclables (waste) were coming from.

To make for fair research, I excluded the loads of junk mail and other paper from the office and feed bags from the farm. My goal was to understand my personal waste. My garbage waste is so small I don’t think it pays to spend much time reducing the small kitchen bag of garbage. Mostly, we change the kitchen garbage every two weeks whether it needs it or not to prevent odor. But how in the heck do we fill a recycling barrel to overflowing monthly?

First off, I notice we have a lot of plastic jugs. I mean lots! We could mention the whisky bottle, but we will not go there to protect the reputations of the not so innocent. (Mrs. Accountant does not drink whisky… that I know of.) The real mass of plastic is dominated by juice bottles and milk jugs.51Asry1yxuL._SX317_BO1,204,203,200_

I prefer drinking fresh, home-grown juice. Sometimes I buy apple juice at a local orchard in the fall. I drink milk, but not often. So I can place all the blame on Mrs. Accountant and my two Jr. Accountant daughters. Except it would not be fair.

Milk containers collapse down and don’t take a lot of space, but we guzzle three gallons a week. Juice containers are more rigid and collapse to a point. The barrel would fill slowly each day. There was also one other bulky item that consumed a lot of space other than office paper, feed bags and plastics.

Before I tell you the criminal in the recycling barrel I want to defend the Accountant household. The item causing all the problems came mostly from the office with only a few coming from the household. The culprit: packaging (cardboard boxes).

Food packaging is the worst. The ladies at the office love to ship in lunch on a regular basis. Example: one of my employees had a birthday recently so it was decided the boss would pay for lunch. (We have a petty cash account for special treats for the staff.) I had no say in the purchase. They decided on Subway. The plastic container holding all the sandwiches was huge! I had no doubt more cost went into the plastic packaging than the amount of food purchased. Two lessons here: 1.) the plastic package did not collapse down well so it took a lot of space, and 2.) the cost of the food was probably less than the cost of the packaging which was purchased for no other reason than to throw it away.

Since we know packaging is not free, we have an opportunity to reduce costs in our life without sacrificing lifestyle. I am on a mission at home and at the office to reduce recycling waste. Stuff tossed in recycling is still waste! And you paid for it; just as much as you paid for all your regular garbage. If we can find ways to reduce all waste, including recycling waste, it would do wonders for our personal bottom line. Call it frugality without giving anything up.

A Few Solutions

When you have a farm, office building and a large home you need a fair number of light bulbs. I use LEDs in all my buildings. Some LEDs are packaged with so much plastic I have to visit the shop to pry open the packaging. I discovered some LEDs use less packaging, especially when multi-packs are involved. I visited a few local stores to see if I could do better when buying stuff, LEDs in this case. Using my trusty pocket calculator I determined multipacks were a much better deal and used a significant amount less packaging. Lesson: More packaging equals either a higher cost or a lower quality to cover the packaging cost.

The easiest frugal habit also gives you financial freedom. Save money, get rich! Early retirement is possible when you have powerful spending habits. Frugal tips. Spending tips. Grow net worth. #wealthyaccountant #frugal #spending #saving #savingstips #frugaltips #spendingtips #frugalhabitsPackaged food is bad for your health and pocketbook. All the boxed foods my kids love (and I eat right along with them) are hurting my body while wasting a lot of money on packaging. Fresh fruits and vegetables can be somewhat more expensive, but after considering health they are a bargain. I have a plan to buy more in bulk to reduce packaging costs and to reduce prepackaged foods like cereals. In my defense, I eat eggs every morning and I get them from my barn. When I say ‘Farm Fresh’ I mean it. My breakfast: laid this morning. (BTW: you can buy my eggs (brown eggs) if you stop in the office. First come, first serve.)

On the farm I buy egg mash in 50 pound bags. I will move to bulk delivery without any bags and store the mash in a spare gravity box. I use about a ton of mash a month and when I checked it is cheaper for the same exact product. Savings: $40 per month. Farmers are noted for their frugality. I still cannot explain what took me so long to figure out I could save $500 a year with this simple change.

The accounting office will be a tougher nut to crack. I don’t always have control over the waste flow. Junk mail will keep coming no matter what I do. Boxes from Amazon for supplies or paper take a lot of space and cannot be easily replaced.

I reuse many plastic containers and cardboard. The cardboard works on the farm around trees or in the garden to control weeds and protect soil moisture. Juice contains store homemade wine well (ahem). In the end it will end up as either garbage or recycling, but used many times before discarded.

I saved food waste for last. We don’t have food waste in our house. What the chickens, steers and barn cats don’t eat goes into the mulch bin. It is estimated 50% of all food grown is discarded from farm to the table. We certainly have waste in the Accountant household. Garden waste is common during the summer and fall. Not all things grown should be eaten. Unfortunately, there is waste from the kitchen as well. Wasted food is going to happen. Things sitting in the fridge too long have to be tossed. Unless you have a farm you will have more food waste going to the landfill than my household.

Make a Difference

Every household has different waste/recycling issues. Any waste bothers me; it goes against my upbringing. My paternal grandmother used to remind us kids that during the Great Depression they ate lard sandwiches “and liked it”. We joked back that today we have Butter Flavored Crisco. Truth is it is not funny. Waste delays retirement plans as money funneled to retirement investments get a ride to the landfill or recycling center. Waste reduces quality of lifestyle. It also feels really good knowing you are acting as a responsible steward of the gifts life has granted you when reducing waste. Be vigilant. Whenever spending hard earned money (or easily gotten money, too), pay attention to the waste products you are buying with the stuff you want. It’s how wealthy accountants roll.

 

More Wealth Building Resources

Personal Capital is an incredible tool to manage all your investments in one place. You can watch your net worth grow as you reach toward financial independence and beyond. Did I mention Personal Capital is free?

Side Hustle Selling tradelines yields a high return compared to time invested, as much as $1,000 per hour. The tradeline company I use is Tradeline Supply Company. Let Darren know you are from The Wealthy Accountant. Call 888-844-8910, email Darren@TradelineSupply.com or read my review.

Medi-Share is a low cost way to manage health care costs. As health insurance premiums continue to sky rocket, there is an alternative preserving the wealth of families all over America. Here is my review of Medi-Share and additional resources to bring health care under control in your household.

PeerSteet is an alternative way to invest in the real estate market without the hassle of management. Investing in mortgages has never been easier. 7-12% historical APRs. Here is my review of PeerStreet.

QuickBooks is a daily part of life in my office. Managing a business requires accurate books without wasting time. QuickBooks is an excellent tool for managing your business, rental properties, side hustle and personal finances.

A cost segregation study can save $100,000 for income property owners. Here is my review of how cost segregations studies work and how to get one yourself.

Amazon is a good way to control costs by comparison shopping. The cost of a product includes travel to the store. When you start a shopping trip to Amazon here it also supports this blog. Thank you very much!