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Frugalometer: Compare Your Spending and Saving to Others Who Earn the Same Income

What’s a reliable measure of frugality? It’s certainly not savings alone. Let’s say Jane Dough socked away $100,000 last year. At first blush, this might seem thrifty. But on second thought you might want to know something about Jane’s income. If you discovered she earned $2.45 million last year, her $100,000 in savings wouldn’t look so impressive (but at least no […]

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Better Living Through E Unum Pluribus

Crack open your piggy bank and you’ll see something interesting. Embossed on every US coin—pennies, nickels, dimes, quarters, half-dollars, and dollars—is the phrase e pluribus unum, which means “out of many, one.” This motto describes our nation’s unity. But let’s do something flippant. Let’s imagine that we can change around these venerated words to make them read e unum pluribus or […]

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2015 Obamacare Premium Tax Credit Calculator

The federal government offers a Premium Tax Credit (PTC) to qualifying taxpayers who comply with the mandate to buy health insurance. To receive a PTC you must split the uprights between making too little and too much income. If you earn too little, you qualify for Medicaid. This precludes any PTC and subjects you to […]

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5 Amazing FSBO Stories as Told by Real Life Home Sellers

Hundreds of websites discuss how to sell your home without a commission-based broker, a process known as For Sale by Owner or FSBO (pronounced “fizbo”). FSBO can deliver enormous savings. On a $400,000 property, a homeowner can avoid paying at least $12,000 in seller agent commissions and twice that amount if the buyer also forgoes a broker. Although […]

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Getting Ahead By Lagging Behind

January is the month of resolution. Perhaps this year you’ve resolved to do something about your finances. At long last, you’ve decided to take real action so that instead of falling behind each year, for once you can actually start down the road of getting ahead. If this is your resolve, congratulations are in order. […]

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Holiday Special: Download FREE Kindle eBook

January 1 is just around the corner. Will 2015 be your year for making new financial resolutions? If so, I have glad tidings. For a limited time this holiday season, I’m giving away free downloads of my Kindle ebook: Spend Less Now!—A Checklist Program for the Decidedly Unfrugal. This offer ends on December 21. The SLN! […]

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The Best Christmas Gift Ever

The best Christmas gift I ever received was homemade. It came from an eight year old—my youngest sister. She gave it to me on December 25, 1982 and it’s been making me smile ever since. Back in the summer of 1982 my brother and I tried to see the movie Poltergeist. This Steven Spielberg release […]

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Compare Your Adjusted Gross Income to Others by Age and Filing Status [Using 2012 IRS Data]

Note: this post updates an earlier article dated August 15, 2014 which used 2011 data published under the IRS Statistics of Income (SOI) program. Since then, the IRS has released its 2012 data so the time is ripe to revisit this topic using the latest available statistics. Everyone compares themselves to others—it’s basic human nature. But sizing […]

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