Author: Charlie

An IT professional, Charlie also buys and sells liens, lives on the cheap and runs marathons. 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. He saves money on his cell phone bill by using Republic Wireless.

Minimalism – How Owning Less Stuff Will Save You Money

In 2008, I first heard of this crazy concept called “Minimalism“. It was where people were purposely removing unneeded stuff from their lives, because they didn’t want their possessions weighing them down. “Who were these strange people?” From reading Unclutterer.com I’d came upon this way-of-life, which was completely contradictory to everything I’d been taught as an …

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Passive Income Streams: March 2018 Report

This past month has continued to help me progress towards my two primary goals of making $7,500 from the blog and $10,000 from AirBnb! We got a few visitors this past month at our BnB, and we had a ton of bookings for the summer months! With that said, we’ve already started increasing our prices, …

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Financial Peace University Review

“If finances were all about math, then all mathematicians would be millionaires.” In 2015, I was hit with a realization: The reality that finances are more about behavior modification, then about numbers. It is more about suppressing wants and purging your life of debt (like a disease). When my wife and I entered the class, I had …

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10 Ways to Save Money on Fixed Expenses

The other day I had an interesting conversation with my eight year old son in the car about debt. He asked me, “Dad, why don’t you and mom have a lot of debt? Why do you think it’s bad?” I responded, “Well, Elijah, your mom and I don’t want to be a slave to the …

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Ooma Phone Review 2018 – Six Years Later

Six years ago I switched from Vonage to Ooma home phone service in an attempt to save money on our monthly phone bills. In February 2012, I determined that I’d had enough of the $35.75/month (after all the taxes and fees) I was paying with Vonage. At the time I’d had a couple of friends that …

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Passive Income Streams: February 2018 Report

After a slow January with Airbnb, our income streams started to pick up steam and are continuing to grow! We continued to stay consistently above $1000 in extra income and our mortgage payoff is only three months away. With blogging and giving accountability to our mortgage payoff and passive income, this has motivated me, even …

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Watching Your Dad Go Through Bankruptcy

On March 6, 2008, I received a call from my mom and dad that no one wants to receive. Charlie: “Hello” Mom and Dad: “Charlie, it’s mom and dad.” (mom’s got the phone, and I can tell something’s wrong) Charlie: “What’s wrong? What happened? Did Grandpa die?” (more silence on the far end). Mom: (mom …

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5 Ways Starbucks Lures Customers In

As I write this article I am sitting at Starbucks, and sipping on a Grande Pikes Place with no cream or sugar. Today I had no reason to stop at this particular Starbucks. Plainly put, it was a want. I was on my way to training this morning, and I wanted to grab some coffee and …

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Passive Income Streams: January 2018 Report

This year has started off quickly and it has been hard to focus on my goals. We had an unexpected event in January, which derailed a lot of my goals and the weather has really been messing with our family schedule. Sometimes it just feels like all you need to focus on is the next …

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How to Stop Living Paycheck to Paycheck – Passive Income

In 2008 I read Robert G Allen’s “Multiple Streams of Income“, and it laid out a pretty descriptive picture of living paycheck to paycheck. Are you one of those people? Are you struggling just to make the minimum payments on your credit card? Are creditors calling you every day? Have you looked at creating a …

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