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Shnugi Personal Finance
General Finance
Frugality/Saving, Investing
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Net worth:
Chicago, Illinois, United States
Life stage:
SINK (Single Income, No Kids)
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Latest Blog Posts

I keep track of way too much, and this is one of the rules of thumb that I’ve built up over the years when I’m shopping around for laundry detergent. It’s no secret that a lot of these laundry detergent companies like to make their sales complicated, so I focus on the sale – coupon […] The post Sale Price per load of Top Laundry Detergents appeared first on Shnugi. ...
Posted: Jan 14 2019 @ 8:09 AM
Nationally, a small fraction of households report incomes of $1 million or greater per year. But at a rate of about 3 out of 1000 households (0.28%), it is more common than you might think. There might a secret millionaire earner in your contact list. A few states stand out nationally as having relatively percentages […] The post Share of income earned by the Rich by state ($1m+/year) appeared first on ...
Posted: Dec 30 2018 @ 10:55 PM
Stores plan on you not redeeming store points/dollars/rewards that they offer. So don’t let them trick you when shopping this Black Friday and Holiday season with deals that sound better than they actually are. Every store seems to have it’s own loyalty program that has a version of points, dollars, or rewards where you pay […] The post Retail Loyalty Points are a Scam appeared first on Shnugi. ...
Posted: Nov 19 2018 @ 10:02 PM
I’ve been using Imperfect Produce which is a vegetable and fruit delivery service for the past few months. Imperfect Produce aims to reduce food waste by delivering ugly and surplus fruits and vegetables to your door.  I liked the mission statement, but after a few months I felt like most of the food I was […] The post Is Imperfect Produce Worth it? appeared first on Shnugi. ...
Posted: Aug 15 2018 @ 4:16 PM
Last updated:Friday, May 4, 2018Equifax has all of my salary history.   It’s all in a 20 page packet detailing each paycheck that I’ve received since I was in college.  Yes, this is the same company that got hacked and leaked practically every Social Security Number to hackers; they also have information that I only thought […] The post Equifax a record of every pay check I’ve had for 10 years appeared ...
Posted: May 04 2018 @ 10:28 PM
Last updated:Saturday, February 24, 2018It’s tax season! Here is a table comparing some of the largest cities by combined income tax of Federal, Social Security & Medicaid (FICA), state, and local. The table assumes: $100k annual income (mostly so that the percent that goes to taxes is easy to calculate) No dependents No deductions or […] The post Comparison of 2018 Income Taxes by City appeared first on Shnugi. ...
Posted: Feb 24 2018 @ 1:05 PM
Last updated:Wednesday, September 27, 2017The triennial updates have begun! Today the Federal Reserve released the latest results from their 2016 Survey of Consumer Finances.  This survey contains detailed information on the financial status of American households on things such as retirement, net worth, income and debt. All percentile calculators (Net Worth and Income) using Survey […] The post Updates for 2016 Survey of Consumer Finances Data appeared first on Shnugi. ...
Posted: Sep 28 2017 @ 6:54 AM
Last updated:Thursday, August 31, 2017I recently came across a new metric, the Green Swan’s FIRE Prowess Score, to measure my progress in achieving financial independence / early retirement. It’s an interesting twist on a savings rate calculation. Like many savings rate metrics, it is tied to your gross income (pre-tax), but the amount that you […] The post Calculating my Savings Rate with the Swan FIRE Prowess appeared first on Shnugi. ...
Posted: Aug 15 2017 @ 3:21 PM
Last updated:Sunday, July 30, 2017My energy usage has sky rocketed 95% percent year over year this summer. The big change this summer has been that I finally live in a place with central air conditioning. It’s like living in the future. I’ve lived in places without central air conditioning–or dishwashers– for the past few years […] The post Tracking Summer Cooling Costs appeared first on Shnugi. ...
Posted: Jul 31 2017 @ 3:45 PM
Last updated:Wednesday, July 5, 2017Here is a cautionary tale of why you should be careful when trying to out fox the stock market. Last week, many people risked their life savings betting everything that Rite-Aid’s stock would shoot up from $3.50 all the way up to the $6.50 / share that Walgreens was offering. If […] The post Don’t risk your entire retirement on a hunch. appeared first on Shnugi. ...
Posted: Jul 06 2017 @ 8:15 AM


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