How To Start Extreme Couponing
The Frugal Physician
by The Frugal Physician
1y ago
Have you ever thought about getting into extreme couponing?  I’ve never done it but I find the concept really intriguing.     Luke Strauss is here today to teach us about how extreme couponing works and how to get started.      After reading this, I’m adding getting an “overage” on to my list of life goals for sure.  Enjoy! – Disha In these uncertain times, many people are making changes in their lives to save money.  These changes often include cutting back on credit card spending, buying clothing secondhand, and limiting unnecessary water usage ..read more
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The PSLF Overhaul
The Frugal Physician
by The Frugal Physician
1y ago
The Biden administration is delivering on improving the student loan situation, piece by piece.  On October 6th, 2021, the U.S. Department of Education published a press release outlining some major changes to PSLF (Public Service Loan Forgiveness) that may benefit thousands of borrowers and may result in $4.55 billion in student loan forgiveness!    It’s important to note some of these changes are time-limited.  If you work for a non-for profit employer and have federal loans, pay attention to this! The PSLF Waiver TL;DR: Limited PSLF Waiver until October 31st, 20 ..read more
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Reviving a Cashmere Sweater with Comb
The Frugal Physician
by The Frugal Physician
1y ago
This post contains affiliate links. I’m not going to lie, this COVID-19 Pandemic has changed my thinking a bit.  As a hospitalist and a primary care physician, I’ve been working on the very front lines of this pandemic for a year and a half now.     Going to work has been scary.  I have been acutely aware of how quickly the life I know could be turned upside down or ended from this nasty virus.      So, I decided life is too short to wear itchy sweaters.  If I’m going to die, by george, it will not be in an itchy sweater!   I hate itchy s ..read more
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10 Tips for Choosing the RIGHT Lawyer
The Frugal Physician
by The Frugal Physician
1y ago
Have you ever gotten lost trying to choose the right lawyer?  Whatever life brings, it’s nice to have a good lawyer on your side.  Whether it is real estate, business, marriage, or estate planning, most doctors will need a lawyer at some point.  Attorney Lyle Solomon is here to give us 10 tips on how to choose a great lawyer.      This is a guest post.  TFP has no financial relationship with Mr. Soloman.   10 Important Things You Should Consider When Choosing the Right Lawyer If you face a complex legal problem involving a huge amount of mon ..read more
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The Frugal Clinic Dress
The Frugal Physician
by The Frugal Physician
1y ago
This post contains affiliate links. There are many unwritten rules in medicine.  Like we never say the Q-word on call.     You know…**Quiet**… dang it, the things I do for y’all.     At least I’m not working today or else we would be guaranteed a pager that would not stop going off and at least 1 code blue.     Another unwritten rule is that it’s ok to wear scrubs in the hospital, but not in the outpatient clinic.     Clinic requires professional garb such as a collared shirt or a dress.     During the beginn ..read more
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Frugal Hacking the Epi Pen
The Frugal Physician
by The Frugal Physician
1y ago
Hi everyone,   Today, I’d like to share with you a frugal hack that has really made a difference in my household.     If you have anyone with anaphylactic allergies in your household, you are probably aware of the EpiPen price gouging controversy in 2016.  The CEO admitted to increasing the price of an EpiPen two-pack nearly 550% to over $608.     For those of us on high deductible plans, all of this mulah comes right out of pocket.   Why are Epi Pens so expensive?? Epinephrine is a lifesaving drug for anyone with anaphylactic (life thr ..read more
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8 Money Moves for a New Attending
The Frugal Physician
by The Frugal Physician
1y ago
Transitions during medical training are a great opportunity to put ourselves on the right path financially.  The transition to attending-hood from residency or fellowship is a tremendous opportunity to either mess things up or really set things up to come out ahead in the long run.    Josh and I screwed this transition up initially by inflating our lifestyle too much and then had to correct course by downsizing and paying off debt.  So, I’d very much like to save someone else the heartache of downsizing.      So let’s go back to Suzie from our transitions ..read more
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8 Money Moves For a New Intern
The Frugal Physician
by The Frugal Physician
1y ago
We just got back from the most glorious vacation.  God, it has been a long year of lockdown!  Some sunshine and indulging was much needed to feed this soul.  I even ran into one of you at the pool (Hi, Amy!).  Now, we’re back to real life rejuvenated and ready to go!   While I was away, someone in The Frugal Physicians Facebook group asked a great question.   Given that we are in the time of year where bright-eyed new interns arrive at their training positions and new attendings start their first jobs, what advice would you give them regarding their finances?&n ..read more
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6 Tips for Buying Real Estate in the Hot Coronavirus Market
The Frugal Physician
by The Frugal Physician
1y ago
Well, we did it! We made another real estate purchase in this insane coronavirus market!  So that makes two COVID Era real estate purchases for us.  Wow.   There were many times I thought that we may need to give up and wait.  We made several offers, two in Georgia and one in New York, without any bites.  They didn’t even bother replying or counteroffering!  And we made solid offers near asking!  But, we kept getting beat out by above-asking and cash offers.  Finally, after months of looking, we were able to snatch a nicely renovated two unit in o ..read more
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Rental Property Investing: How much leverage is too much?
The Frugal Physician
by The Frugal Physician
1y ago
Soon after Josh and I met, I asked him to read “Rich Dad, Poor Dad” (man this guy humors me, I know I’m a lucky girl).  After understanding the difference between assets (purchases that generate cash in the long term) and liabilities (purchases that take away cash in the long term), he was on board with buying assets that would create cash flow.    So, we made a plan to invest in real estate.  We bought our first home with a no money down VA loan, with the plan for it to become a rental property.  That went well.     Then, we bought our first attending ..read more
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