DIY sprinkler repair savings
This week's post will be short, because a number of home repair projects came up this week. For example, one day after work I replaced a broken sprinkler head. Then…
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July 17, 2019
Sticker shock: Marriott Bonvoy cancellation policy
Last year while skiing at Beaver Creek, CO, we admired the ski-in/ski-out Ritz-Carlton Bachelor Gulch from afar. Knowing I am far too frugal to pay for a stay--the cash price…
July 10, 2019
Schrodinger’s Cash
The mathematical justifications for a high savings rate--or equivalently a low spending rate--are shockingly simple. Every dollar saved can be added to your investment portfolio, and financial independence ultimately requires…
July 3, 2019
Investor policy statement 2019
What stocks or funds should I buy? Which account should I fund first? Should I invest now or wait and try to time the market? I am 100% invested in…
June 26, 2019
Slashing investment fees–Schwab PCRA
My Charles Schwab employer 401(k) plan has limited investment options. It offers US stock index funds with low expense ratios, but only offers actively managed US bond and international stock…
June 19, 2019
Everything you need to travel more while spending less
We love to travel, but we also love to save money. The nine resources below detail how we accumulate and redeem miles and points to travel for a fraction of…
June 12, 2019
My favorite ways to hit a credit card minimum spend
Harvesting credit card signup bonuses is one of the quickest ways to accumulate travel miles and points. The bonuses typically require spending some minimum amount--usually $1k to $5k--over some time…
June 5, 2019
Travel rewards handbook (Ok–spreadsheet)
Travel rewards harvesting (travel hacking) has become one of our favorite hobbies. We enjoy the strategy of deciding which credit cards to open, when to open them, and how best…
May 29, 2019
First experiment with travel rewards harvesting
Credit card travel reward harvesting has become one of our favorite hobbies. The return on time and money (normal spending) is phenomenal, and once you adopt a system (which I…
May 22, 2019
Optimize your digital life using my favorite resources
Disorganization was one of the biggest hurdles we overcame when starting to pursue financial independence (FI). Maintaining our existing personal and financial responsibilities was cumbersome; digging in deeper to optimize…
May 15, 2019