Author: Charlie

An IT professional, Charlie also buys and sells liens, lives on the cheap, runs marathons and helps to run his family farm. In his spare moments, he raises 3 children, does the dishes and writes one post a week. His former blog, Frugal Retirement Plan, has been cited by US News and World Report.

Passive Income Streams: Sept 2016 Report

Changes! Changes! Changes! (Insert the 2pac – changes theme song) That is what life has had in store for me and my family as we finished out the month of September. This past month I switched jobs after being in my previous position for 5.5 years! It was hard to make the switch with all …

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Passive Income Streams: August 2016 Report

The month of August has come and gone fast and the kids are back in school, which is a big relief to a lot of stay at home parents! Can I get an AMEN!?! Focus continues to be on paying off the mortgage and racing to become debt free by August 2018. In a way, …

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How Small Processes Are Costing You Big Bucks

In 2009, when I was taking over all my dad’s farming operations, he said something very interesting about efficiency. He said, “Everytime you move grain you lose 2-3% of your grain.” Being the prideful guy I am, I immediately tried to prove him wrong. I know I could think of something that would contradict that. …

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Passive Income Streams: July 2016 Report

The race to debt payoff has begun. In July we were able to record three paychecks, and apply this extra principle towards our mortgage. Our family’s desire to get out from under this debt is beginning to take on a whole new meaning. A meaning like we have a disease or sickness and we want …

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The Most Valuable Coins in the World

In 2007, I first stepped into the world of investing in rare coins, because I thought that they were undervalued at the time. Fast forward a few years, and the coin markets have gone through a lot of fluctuations. More recently, I’ve started to focus on buying rarer and lower minted coins. I’ve found that these …

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How to Modify Your Personal Finance Behavior

“But mom…I really need that new toy!” “Dad everyone at school has a new pair of Air Jordans and I won’t be cool unless I have them!” “The next door neighbors just bought a puppy and I want one too!” As a young kid these are some common statements you will hear your kids or maybe even …

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Passive Income Streams: June 2016 Report

So far we are one month into our summer and the heat hasn’t let up here in the midwest. I love it! I love running in it too. Call me crazy, but the heat and humidity really fuels me to push my body to higher limits in what I can do. So far this summer …

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Top 5 Reasons to Open Your Next Bank Account Online

In 2003, I first heard about online banks and how they were offering so much better interest than all the brick-n-mortar banks. At the time, I felt extremely uncertain about investing my hard earned money in a bank that I couldn’t see and touch if I wanted to get my money out. Fast forward 13 …

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Passive Income Streams: May 2016 Report

It sure seems like 2016 is moving faster and faster each month. I keep trying to make time to make monthly goals, like I’ve talked about recently, but the months keep speeding away. It just comes down to that I haven’t made the time to set what is a priority, and focus on accomplishing a …

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