People often ask how a person can keep on going after they’ve hit so many financial speed bumps.  One thing I can tell you is this, if you feel like you’re drowning in a mess of financial catastrophe – DON”T JUST SIT ON THE OCEAN FLOOR HOLDING YOUR BREATH.

Educate yourself, find your motivation, take action, and start swimming for the surface.

It’s Okay to Start Small

There was a time in my own life where I would get painfully frustrated at the thought of not being able to fix my problems instantly.  continue reading . . .

{ 3 comments }

If your inbox, internet ads, or television commercials are anything like mine, they’re probably yelling at you about your tax refund.  It’s Waiting For You!

As though it’s been lost all year long, or you forgot to pick it up after soccer practice on Wednesday.

Is your return just sitting there on the curb, in the rain, cold . . . lonely?  Hoping to see you drive up with a smile and a treat from McDonald’s?

continue reading . . .

{ 3 comments }

choicesDebt and investment are not often talked about in the same sentence.

After all, when someone is ridden with debt, it’s hard to think about investment. All your extra money needs to go towards servicing that debt, leaving nothing left over for investment.

There are some exceptions where certain investments balance well with certain low-interest debt, but these are in the minority. People with debt have to put a lot of attention and energy into getting rid of their debt, otherwise it’ll never happen. Investments are something to think about much later, if at all.
continue reading . . .

{ 0 comments }

bundle of receiptsYou do it.  You know you do.  And it’s okay… I do it too.

I’m talking about worry.  Specifically, worrying about your money.  How much you make, how much you spend, how to get out of debt, or how to avoid falling into debt.

I actually don’t worry nearly as much as I used to.  Here’s how I quit worrying about money:

Save Early, Save Often

Even as a 15-year-old lumber yard warehouse sweeper, my dad told me to keep back a part of my paycheck.  Over the years, as I made more, I began to save a little more as well.  I even followed Dave Ramsey’s Drive Free, Retire Rich program to help stay out of car loan debt and help pad my savings.
continue reading . . .

{ 1 comment }

Debt Freedom is a Lifestyle, Not Just a Goal

July 16, 2016

I have a  family member who uses smokeless tobacco, which caused oral cancer in his lip and soft palate.  Thankfully, the doctors were able to remove the cancer with surgery. This was more than 7 years ago, but unfortunately he still uses smokeless tobacco to this day. His choices make us all sad and concerned, […]

Read the full article →

Bank Of America Sold My Checking Account

July 14, 2016

Have you ever had one those moments where you realized that you don’t know how the world works? Like, you thought you had a handle on the flow of things, but then something happens and you realize “I have no idea what’s going on.” Well, it happened to me.  Bank of America sold my checking […]

Read the full article →

Sometimes I’m Just a Kid in a Candy Store, With a Credit Card

July 8, 2016

Please save me from myself! I am a 35 year old level-headed father (oh, and a personal finance blogger), and yet I still have those moments where wise spending and self control just fly out of the window.  Sometimes I still don’t feel ready for adulthood. If my son and I spend more than 10 […]

Read the full article →