Frugal Man

Frugal Man Return From Paris

Frugal Man Home From Paris

By Bill Fay | August 11, 2016

The Frugal Man has never in his life bragged about throwing money around, but that 60-year silence on silly spending is over. I just dropped a boatload of money on…

Eiffel Tower in Paris

Frugal Man Goes To Paris

By Bill Fay | May 4, 2016

If you’re wondering whether a summer vacation is worth it, ask your doctor, not your accountant. Every medical study ever done on the subject concludes that summer vacations – especially…

College Student on computer looking up his credit score

College Students Could Learn More About Credit Scores

By Bill Fay | August 6, 2015

Akers, B., Chingos, M. (2014, December 10) Are College Students Borrowing Blindly? Retrieved from, J. (2012, July 19) The Use of Credit Background Checks In Hiring Decisions. Retrieved from
Simon, J. (2011, December 12) FICO reveals how common credit mistakes affect scores. Retrieved from
NA, (2013, July 23) How America Pays For College. Retrieved from

Cup of coffee and a gift for Father's Day

Father’s Day Financial Advice … You Get What You Pay For!

By Bill Fay | June 8, 2015

Father’s Day is just around the corner and I think it’s time to change the way we celebrate the occasion at the Frugal Man’s house. I think I will do…

Man buying with cash instead of a credit card

Want To Reduce Credit Card Debt? Only Pay With Cash

By Bill Fay | May 28, 2015

I’m thinking about introducing “envelope accounting” to the Frugal Man’s family. You know that system: Assign an envelope to each item on your family’s monthly budget. Put the budget item’s…

family vacation

How To Raise Money For Your Family Vacation

By Bill Fay | April 9, 2015

Want to put a smile on your face? Google images for summer vacations and take a look at what’s out there! Beaches, mountains, water parks, national parks, white-water rafting, arts…

mobile phone

Five Mobile Phone Lines for $150 per Month: It’s Possible

By Bill Fay | March 27, 2015

In the summer of 1985, I was a sports writer in Tampa and an athlete I used to write about invited me to lunch to discuss a new professional summer…

mobile phone and money

Fact Is, Opinions Don’t Say Much In Cellphone Argument

By Bill Fay | November 6, 2014

What settles arguments in your house: Facts or opinion? That seems like a loaded, but relatively easy question. Facts win, right? Well, sometimes. A study by Dartmouth College suggested that…

close up of iPhone 5 screen

Frugal Man – Cell Phone Virgin Stumps Apple on iPhone 6 Release

By Bill Fay | August 27, 2014

I went shopping for a cell phone the other day and found out I’m not as special as I thought I was. I have never owned one and for at…

cell phone money holder

Frugal Man — Might Buy a Cell Phone

By Bill Fay | August 25, 2014

Not sure you are aware of this, but the cell phone industry will pass a fairly significant milestone this year and there is a good chance I could be the…