2014 Tax Calculator to Project Your Tax Refund

The 2014 tax calculator is here! Do you want to get an estimate of how much your tax refund will be before you file? We just updated the 2014 tax calculator with the current tax brackets, credits, deductions, and everything else you’ll need to estimate your tax refund before the tax deadline. How to Use [...]

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About that Retiree Next Door…

A new company by the name Money Tips had an idea to survey 500 “successful” retirees to get an idea of what works. Like any survey, the results are a pile of statistics. I love statistics… enough so that I’ve been in baseball fantasy leagues of fake computer generated players playing with statistics. If that […]

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Analyzing Coverdell ESA vs. 529 Plans

Back in 2007, I wanted to gift some money to my newborn nephew. Rather than make it a one time thing, I wanted to contribute to it over the years. I am proud to say that the small contributions and the growth of the stock market have him, and his little sister lined up with […]

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8 Free Ways to Watch Movies

Whether you’re trying to get out of debt, you want to save more money, or you are trying to simplify your life, it doesn’t mean the fun needs to stop. Finding free things to do is the best way to still have fun while sticking to your budget and keeping your spending in check. In [...]

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Calculating Your Ever Shrinking Social Security Checks

For more than a decade now, it’s almost been a foregone conclusion amongst the young people in the United States that Social Security will not exist for them. A more thorough analysis shows that even if the reserves were to run out, there would still be money coming into the system and hence there would […]

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How to Claim the Health Insurance Premium Tax Credit

As the first year of health insurance through the new health care exchanges winds down, another new challenge is just beginning. The upcoming tax season will be the first year to report, claim, and reconcile the new health insurance premium tax credit. It will be a new, and in some cases challenging, addition to your [...]

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Free Bookkeeping Software for Your Small Business

I’m going to outline for you the pathetic money system I used to have in place for my small business (I mean, it’s great that I had one…but wait and see what I mean). I had an excel sheet, and about 7 columns of the different revenue streams for my blog, Frugal Confessions. Each month, [...]

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Would You Take a Career Sabbatical?

In the last few years, there has been a lot of attention given to the idea of lifestyle design. As part of this attention, more people are taking career sabbaticals or embarking on “mini retirements.” The idea is that you don’t have to work for thirty or forty years, only to try and retire for […]

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Behavioral Finance: Good or Bad

A couple of weeks ago I asked Are Roth 401(k)s and Roth TSPs Better? in response to an article in Money Magazine. I attempted to give an answer in part 2 the following day. The argument was complex and worth reviewing those posts for more detail, here’s the shortest version I give. Because many people […]

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Net Worth Update September 2014 – Nobleea

Welcome to the Million Dollar Journey September 2014 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Nobleea was selected as a team member and will post net worth […]

BankAmericard $100 Sign Up Bonus

It’s Free Money Friday! Today we’re highlighting one of the cards I mentioned in my $2,075+ Application Spree to Stockpile 0% Credit Cards. Bank of America has a 10,000 bonus points offer that can be redeemed for $100 towards your next travel purchase with their BOA Travel Rewards card. How to Get Your $100 Bonus [...]

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Should You Lease Solar Panels?

A couple of days ago, I read an article on My Journey to Millions by Evan about how he is considering leasing solar panels. The arrangement is such that another company, Vivint, ponies up the cash for the equipment and Evan would agree to buy energy from them instead of his electric company. On the […]

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How Much Does a Late Payment Affect My Credit Score?

We frequently discuss the impact of credit inquiries on credit scores whenever I write about our latest credit card application spree. What we haven’t discussed before is how much a late payment will affect your credit score. I never had the perfect data point to share… until now! How Much Does a Late Payment Affect [...]

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How To Live With No Regrets

If you had to summarize everything you know about money into one sentence, could you do it? Just a few months ago I wouldn’t have been able to but now I can. In fact I can boil it down into just two words – No Regrets If you’re a stickler for finance I know you […]

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Bringing the Ray Rice Story into my Own Life

[Editor's note: Today's post is going to be light on personal finance. There are things that are more important than money. Today's post is a reminder of that. This article was written 24 hours ago and since then new information has come up (such as Goodell's statement), but I don't believe it materially changes much.] […]

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Watch Out for These Common Gold Scams

If you watch commercials or are ever bombarded by internet ads, then you would think everyone and their mother are emptying their jewelry coffers and melting their gold down at gold parties being held across the United States. Or perhaps you think you are the last person remaining who has not purchased a stash of [...]

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What Supplies Do You Need to Sell on Amazon?

As an Amazon seller, there is nothing more frustrating than running out of supplies when shipping in inventory to Amazon. I worked on putting together a list of most of the supplies I use to keep things running efficiently. If you also like to make money on Amazon, here’s a list of my go-to supplies. [...]

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Ultra Frugality Mode Activated!

From the beginning of starting Lazy Man and Money, I’ve been a proponent of both saving and investing. I’ve found that this is kind of an unusual stance amongst personal finance bloggers. While most everyone agrees that both are important, I usually see them lean heavily in one direction or the other. I don’t think […]

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The Risk of a Defined Benefit Pension

A government based defined benefit pension is considered the gold standard of retirement benefits.  The requirement is that you need to work for the government for 25-30 years, contribute a small portion of your salary towards the pension and in return, you get 60-70% of your working income monthly (some pensions are even indexed to […]

Are You Spending Enough Time Planning Your Retirement?

Not too long ago, I read an article on CNN Money reporting on a survey from Charles Schwab. The results indicate that most workers spend more time researching vacations and car purchases than they do retirement. It’s true that researching the investment options for a 401(k) or other employer-sponsored plan can be a daunting task. […]

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8 Ways to Bring in Extra Cash

I scream, you scream, we all scream for…extra cash (which you can then use to buy yourself some ice-cream if you’d like)! How to pull in extra cash is on many people’s minds. That’s because bringing in more money is a quick way to help whatever money goals you have, whether that’s saving for a [...]

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Time to Buy Yahoo Stock?

Over the weekend, Alibaba announced that it will price its IPO such that the company would have a 160 billion dollar valuation. Many people in the United States might not be familiar with the giant Chinese e-retailer. I’d include myself in that group. In fact, I had no idea how big the company is in […]

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Citi Double Cash 2% Cash Back Credit Card

I mentioned a new card I was targeting in my $2,075+ Credit Card Application Spree. The Citi Double Cash card is essentially a 2% cash back card. I think 2% cash back cards are some of the best cards for everyday spending. It’s a good alternative since our 2.27% on our Barclaycard Arrival expired and [...]

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Save Money and Have Fun with a Staycation

If you are trying to save money, a vacation is rarely the first thing that comes to mind. However, what’s the point of living if you can’t actually live a little? The good news is that enjoying life doesn’t have to be expensive. In fact, you can get away even in your own backyard when you […]

How to Use Walmart’s Savings Catcher Program

Walmart is back again with a new savings program that will hopefully lower the prices for thousands of families. Well, sort of. It’s not that they are lowering their prices through the Saving’s Catcher Program, but rather they are willing to pay you the difference between their price and a lower competitor’s price in the [...]

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