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Mr. Cash Hoarder

Mr. Cash Hoarder

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Tag: #frugal living

You Might Be a Financial Fool if…

September 18, 2020 Mr. Cash Hoarder

Your vehicle costs more than your after tax income for one year Your car loan has a duration of longer than five years, ie 60

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Do you Choose to be Rich or Poor?

September 5, 2020 Mr. Cash Hoarder

Do you choose to be rich or poor? Decide now! Everyone would choose to be rich however their behavior shows that they in reality want

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Best Cheap Blended Scotch Whiskey Taste Test

August 29, 2020 Mr. Cash Hoarder

You want to drink some scotch but not pay a small fortune for single malt scotch whiskey? Well here is your ranked list of affordable

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Pricey smoking can cost you a house

May 23, 2020 Mr. Cash Hoarder

A recession is a great time to stop smoking to save money. It’s very expensive and the numbers over a long period of time are

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Caffeinate at home cheap not at Starbucks

May 22, 2020 Mr. Cash Hoarder

So you are stuck at home. Time to hit Starbucks for a coffee before you start the day. Huh??? No! You are home so stay

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Is Expensive Wine, Beer, Vodka Worth It?

May 20, 2020 Mr. Cash Hoarder

Now that you are stuck at home you are likely drinking more. So let’s talk value given we are in a recession. First off, I

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Don’t Waste Your Bonus, Invest It!

May 20, 2020 Mr. Cash Hoarder

So let’s say you get a bonus at work or the government gives you $1200 or some other amount of money. Maybe you get a

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Invest when prices are low!

March 25, 2020 Mr. Cash Hoarder

So stock prices are falling like a rock! I am scared to invest! Perhaps you should be. Or maybe you should think like a predator

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Don’t be a money fool

March 25, 2020 Mr. Cash Hoarder

The average person is a money fool. Why would you say something like that? Because it’s true….financially. BTW Mr. T’s classic 1980s quote is “I

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Ebay Selling…. How to do it Easily

March 25, 2020 Mr. Cash Hoarder

Do you need to make some extra cash selling things? How do you sell on Ebay? First investigate pricing for similar used item online on

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How to Survive A Recession

March 19, 2020 Mr. Cash Hoarder

All the financial papers are talking about the next recession. When will it get here? It’s likely here now or will be soon due to

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Expense Tracking Templates UPDATE

March 16, 2020 Mr. Cash Hoarder

Here you will find several expense tracking templates to help you in budgeting

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F.I.R.E. up those savings update

March 16, 2020 Mr. Cash Hoarder

Retire at 35 and sail away to Bali! What a plan! While this is admirable in my book it’s not very realistic for most people

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Expense tracking How to do It

March 15, 2020 Mr. Cash Hoarder

You should track all your spending each month to determine where your money is going. This best way to make money is to save money.

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Mercury Amalgam Dental Fillings Are Dangerous to your Health

January 29, 2020 Mr. Cash Hoarder

Ah the dentist. A great place to spend a lot of money fast even with insurance. This however is one place you should not cheap

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Watch out for Climate Change Losses!

September 23, 2019 Mr. Cash Hoarder

So you’ve read the news about climate change impacting some person that lives on an island nation in the South Pacific that is going to

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How credit cards get you in trouble

September 22, 2019 Mr. Cash Hoarder

Credit cards are the devil! If you have a credit card debt you will understand this statement very well. Here is why I say this.

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Save big money with F.I.R.E. Templates

September 21, 2019 Mr. Cash Hoarder

So you want to use the F.I.R.E. method of financial independence to retire early? Well then here are the templates you will need to get

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DON’T BE a money fool

September 20, 2019 Mr. Cash Hoarder

The average consumer is a financial fool. Why would you say something like that? Because it’s true….financially. BTW Mr. T’s classic 1980s quote is “I

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I am afraid of Investing. Why?

September 19, 2019 Mr. Cash Hoarder

I recently read an article that said Millennials and the generation after them are afraid of investing. Interesting. Perhaps some education is in order. I

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Who does F.I.R.E. Method work for?

September 19, 2019 Mr. Cash Hoarder

So we have seen FIRE works in these posts. Right then. But who does it work best for and why? Let’s find out. I have

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How F.I.R.E. savings really work

September 19, 2019 Mr. Cash Hoarder

You’ve heard of people saving tons of money and the retiring at age 40. Sounds great. How do I do that too? Well it’s not

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Using Expense Tracking Templates to Save Money

September 19, 2019 Mr. Cash Hoarder

Here you will find several expense tracking templates to help you in budgeting and figuring out where the money really goes. Download the file, open

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Fight Age Discrimination with Frugal F.I.R.E. Savings

September 15, 2019 Mr. Cash Hoarder

Remember the old Steven King movie Children of the Corn? The one where they got rid of the adults and people that were too old?

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Saving money on weekends is easy

September 14, 2019 Mr. Cash Hoarder

I’ve talked about saving money during the week but the weekend is when we let it all hang out right? And that is what makes

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Help! I Have No Company Retirement Plan!

September 8, 2019 Mr. Cash Hoarder

Are you screwed if you don’t have an employee sponsored retirement plan? Of course not!  However you are going to have to work a bit

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How to sell on Ebay

September 2, 2019 Mr. Cash Hoarder

So let’s say you have some old items you want to cash in. What to do? How do you sell on Ebay? First investigate pricing

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Save on car maintenance

September 2, 2019 Mr. Cash Hoarder

Routine maintenance savings Oil changes: Do it yourself if you know how. You may, need to reset service light on some cars. You can buy

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How to save money during the week

September 2, 2019 Mr. Cash Hoarder

Everyone has their typical daily routine. This is how I save money on a workday. 7 am: Breakfast at home of say granola bar and

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How to deal with inflation

September 2, 2019 Mr. Cash Hoarder

Inflation. What does it mean? It means the money tomorrow is worth less than what it was yesterday. The money has less purchasing power. Have

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Investing in gold? Does it make sense?

September 2, 2019 Mr. Cash Hoarder

You’ve heard of people investing in gold in case financial catastrophe hits. Is it wise? Well it depends on how bad you expect things to

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About This Frugal Living Blog

September 1, 2019 Mr. Cash Hoarder

I wrote this blog after seeing people around me living beyond their means, taking on too much debt and not saving enough for retirement. The

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Recession Preparation and Survival

August 31, 2019 Mr. Cash Hoarder

All the financial papers are talking about the next recession. When will it get here? No one knows. After nine years since the last one

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Corporate Discounts Can Save You Money

August 31, 2019 Mr. Cash Hoarder

Corporate discounts are sometimes available to those frugal living folks who ask. So if you work for a big name company go ahead and ask

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Save Big on Housing

August 31, 2019 Mr. Cash Hoarder

If you rent you can try to reduce your housing costs as follows. Get roommates to share the rent. A friend of mine had the

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Unhiding Interest Rates In Monthly Payments

August 31, 2019 Mr. Cash Hoarder

Let’s get back to our example of Gullible Greta from the vendor financing post and change the numbers a bit. Recall she is in the

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Calculating Monthly Payments Easily

August 31, 2019 Mr. Cash Hoarder

Here I am going to show you how to use a financial calculator to do time value of money calculations you would need to calculate

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Trailer Trouble

August 30, 2019 Mr. Cash Hoarder

We often hear about unfortunate events happening at trailer parks such as say tornadoes.  These potential places of disaster are also places of financial disaster.

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Product Shrinkage is a Price Increase

August 30, 2019 Mr. Cash Hoarder

As the cost of inputs rise companies are looking to pass those costs onto you in the form of price increases. This is a form

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Make Money on Housing

August 29, 2019 Mr. Cash Hoarder

If you have a property and own it you can put it to work by renting it out. You can’t rent out your rental apartment

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Expense tracking

August 29, 2019 Mr. Cash Hoarder

You should track all your spending each month to determine where your money is going. This is the best way to save money. Look at

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Trading and Brokers

August 29, 2019 Mr. Cash Hoarder

If you want to trade stocks you can do that through brokers. These come in full service and discount. Most people use discount online brokers

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College savings, How to do It

August 28, 2019 Mr. Cash Hoarder

Saving for college should start early to maximize compounding Take advantage of college savings plans offered by your state. The contributions grow tax free for

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Extreme Frugal Living

August 28, 2019 Mr. Cash Hoarder

There are groups of people out there who are into extreme frugality. These people may grow their own food, make their own clothes, raise chickens,

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Wonderful Warehouse Clubs?

August 28, 2019 Mr. Cash Hoarder

If you use a lot of something buy it in bulk at a warehouse club. That 64 oz / 2 Liter bottle of ketchup will

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Time Shares,Vacation homes, RVs

August 28, 2019 Mr. Cash Hoarder

Time shares: No, don’t take the tour and sign up! While this might seem like a good idea they are hard to sell once you

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Be your own handyman, lawn boy and maid

August 28, 2019 Mr. Cash Hoarder

Do your own work around the house You should not be paying someone to mow your lawn, shovel your driveway, clean your house etc. No.

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The Can Man recycles money into the pocket

August 28, 2019 Mr. Cash Hoarder

Many states have a bottle deposit on soda cans, water bottles, sports drinks, beer bottles and the like. The deposit is normally $0.10 or $0.05/

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Monthly Payment Trouble

August 28, 2019 Mr. Cash Hoarder

Beware of high financing costs baked into the payments.  Always know the cost of the item and the cost of the financing. Most of the

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Clipping Coupons?

August 28, 2019 Mr. Cash Hoarder

I have mixed feelings about coupons. I don’t like to clip them. I feel couponing leads to more consumption. It’s better not to buy at

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Don’t Be a Miserable Miser!

August 28, 2019 Mr. Cash Hoarder

Mantra: Frugality is our rake to bring in more money so we can invest it and make more money! One does not need to be

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You Need Emergency Funds!

August 28, 2019 Mr. Cash Hoarder

Rule #1: Set up an emergency fund in liquid savings with 6 months of living expenses. You will need money if you get laid off

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Rewards Cards are Great… Sometimes?

August 27, 2019 Mr. Cash Hoarder

Reward cards in my view deserve special mention. I don’t encourage their use as they are a form of debt unless you plan to pay

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Side Jobs for Extra Cash

August 27, 2019 Mr. Cash Hoarder

Let’s say you are working hard to pay off your debts and you want to earn some extra cash on evenings or weekends. You can

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Picking up payments

August 27, 2019 Mr. Cash Hoarder

Pickup trucks for the weekend warrior. They sure are popular in today’s economic climate. As I go to the office I see more and more

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Avoid Expensive Toys (boats, RVs, ATVs…)

August 27, 2019 Mr. Cash Hoarder

Toys, toys, toys for all the good boys. No! There is no Santa and you are adults with jobs and responsibilities. Big boy toys are

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Retirement Totals Needed to be Comfy

August 27, 2019 Mr. Cash Hoarder

How much money will I need to retire? A lot most likely. It all depends on when you plan to retire, how long you plan

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Pension Problems, They May Not Be Guaranteed

August 27, 2019 Mr. Cash Hoarder

Pensions are great…. for the lucky few that have them If you are going to get a pension that is great but increasingly rare. Consider

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Ramen Retirement 401K & IRAs

August 26, 2019 Mr. Cash Hoarder

Ramen noodles for life! Doesn’t that sound great? All the flavors in the world! Chicken, Beef, Shrimp, Jalapeno and Spicy Chicken. While these may be

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Credit Card Bill Payoff

August 26, 2019 Mr. Cash Hoarder

Credit cards are the worst kind of debt. You are paying high interest on stuff you probably didn’t need to buy in the first place.

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Paying off student loans

August 26, 2019 Mr. Cash Hoarder

Ah student loans, seemingly so innocent when signing the promissory note but in reality deadly serious. Why do I say that? Federally backed student loans

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Transportation Savings

August 26, 2019 Mr. Cash Hoarder

If you take public transportation in a big city Buy a monthly pass with using a Wageworks account and pre-tax dollars if available given your

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Fitness is Fabulous and Saves Money

August 25, 2019 Mr. Cash Hoarder

Some people say cancel the gym to save money. I say not so fast. Perhaps you can find a more reasonably priced option. Physical fitness

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Saving on groceries

August 25, 2019 Mr. Cash Hoarder

The simplest way to save money is to not buy anything but you need to eat so let’s see how we can spend a little

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Making Lemonade from Lemons

August 25, 2019 Mr. Cash Hoarder

So let’s say you splurge and end up buying things you don’t need or regret buying later. It happens to everyone including cheapos like me.

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Cut the Cable TV umbilical cord?

August 25, 2019 Mr. Cash Hoarder

Cutting the cord is quite popular now. Whether it is the right choice for you depends on a few things. Cable tv is most certainly

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Save on Your Utilities Now

August 25, 2019 Mr. Cash Hoarder

You can’t avoid utilities bills but try to minimize them Heating: Save $50 to $75 per month Crank down the heat to 68 or 67

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Cut those subscriptions

August 25, 2019 Mr. Cash Hoarder

The cost of subscriptions can add up fast per month if not properly managed. Each one alone seems innocent enough by themselves but together they

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Save on dining out

August 25, 2019 Mr. Cash Hoarder

Dining out tends to be expensive however it is good and necessary to go out once in a while to socialize with friends and relax.

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Welcome to Mr. Cash Hoarder Blog

August 25, 2019 Mr. Cash Hoarder

The easiest way to make money is to save money! The purpose of this site is to educate on how to use frugal living to

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Save $200 per month on lunches and dining

August 25, 2019 Mr. Cash Hoarder

I used to think my boss was crazy for bringing his lunch every day to the office. However he has a second house in the

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Save $150 per month on coffee

August 25, 2019 Mr. Cash Hoarder

Small changes bring big savings! Let’s start with your daily caffeine habit. Chances are if you work you drink coffee and pay a lot for

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