Blogger Profile

Mr. & Mrs. Frugal Hacker

Blog Info

Frugal Hackers
Frugality in San Francisco by hacking the system
Start Year:

Blogger Bio

Net worth:
San Francisco, California, United States
Life stage:
DINK (Dual Income, No Kids)
Fave $ Apps:

(Is this your profile page? Update your info here. To update your icon, go to gravatar.com.)

Latest Blog Posts

IKEA is an indulgence for me. I loved walking around the maze of a store as a kid, completely awed by the cool designs and organizational hacks. Fast forward many years, I met Mr. Frugal Hacker in college who happens to be an IKEA aficionado himself. And not surprisingly, our apartment in San Francisco now looks like an eclectic IKEA showroom: ...
Posted: Apr 09 2018 @ 12:00 AM
Hey folks, Mr. Frugal Hacker here, back after a short hiatus. Last year, in 2017, we tracked our expenses very closely. Every single transaction was copied into a giant Google Sheets spreadsheet. As a couple, we had almost exactly 1,000 transactions throughout the year. Some transactions like transit and health insurance premiums were only recorded once per month for simplicity.Turns out between the two of us we only spent $14k ...
Posted: Jan 21 2018 @ 4:00 AM
People don't always talk about the less-than-obvious benefits of living frugally. Sure you end up with more money by spending less, but then what' The most common reasons cited for frugality are better peace of mind and the ability to retire sooner, often significantly sooner than the normal retirement age of 65. However, in our case at least, ...
Posted: Jan 05 2018 @ 6:30 PM
Have you ever paused to think how much time we waste waiting every day' I did so today, and it had me petrified. For the last 24 hours, I decided to consciously audit how much time I was spending simply waiting and doing nothing. It turns out I was spending almost 1-2 hours a day just waiting for things to happen or for people to respond. If I were to spend ...
Posted: Dec 31 2017 @ 6:30 PM
Do you find yourself spending over budget every month' If you cannot explain where your money goes, it's time to hit a reset button on your finances.  The traditional way of building budgets, both for businesses and individuals, is to use last year's spending as a baseline and then increase/decrease the budget for certain categories as required. However, ...
Posted: Dec 26 2017 @ 6:30 PM
You might consider yourself a pro Costco shopper already. Perhaps you've found the most efficient time to visit your neighborhood Costco, which is usually right after opening or right before closing on weekdays, usually Mondays. Perhaps you've memorized the locations of all your common items around the store so you can pre-build and execute a Traveling Salesman Path to find all the items on your shopping list quickly, minimizing walking time ...
Posted: Dec 21 2017 @ 6:30 PM
What is the Sequence of Return RIsk'What does the sequence of return risk mean and what are its implications for soon-to-be retirees' The idea is that immediately after retirement (early retirement or regular), the inflation-adjusted real market returns in the first 10-15 years have a much greater say in determining your final portfolio value than the returns later on in your retirement. In other words, immediately after retirement, a long ...
Posted: Dec 16 2017 @ 6:30 PM
We don't buy each other gifts for birthdays, anniversaries or holidays. To us, it doesn't make sense to be required to give someone gifts on a pre-defined schedule. Obviously, this is not a popular opinion to hold during the holiday season. I can appreciate how gifting became a thing historically. When resources are scarce, life is full of unmet needs. And when all you have is $20 to your name, your choice ...
Posted: Dec 11 2017 @ 6:30 PM
True happiness begins with what we eat, so here at Frugal Hackers HQ, we give our food, nutrition, and diet quite a bit of thought. We choose what we eat consciously every day, instead of just what's convenient or quick. It should come as no surprise then to our readers that we put food as our #1 priority, even before the other 3 F's of life: fitness, finances, and frugality. ...
Posted: Dec 06 2017 @ 6:30 PM
You read that right. Our Amazon Prime membership came up for renewal this October and we decided to cancel the subscription. Amazon Prime costs $99 per year, which works out to $8.25 a month. This makes up less than 0.2% of our annual expenses each year, so the annual cost of Prime membership is absolutely de minimis. Another way to think about the Prime membership cost is to look at how much ...
Posted: Dec 01 2017 @ 11:30 PM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

Leave a Comment

To leave a comment about this blog, fill out the following form.