Have you ever wanted to just pack up and move to a new city or town without having a plan? I’m sure we have all had this gut wrenching feeling or urge but I cannot emphasize on how important it is to have a plan set for your move. Many people quit their jobs, pack [...]
So we previewed this post’s topic in our last post regarding mathematical considerations. First, we used math to help craft a more reasonable budget. In this post, we discuss the issue of hording. No, not keeping closets full of crap like you see on that silly TV show. I’m talking about money hording. That is, [...]
After you manufacture the mental resolve to tackle your debt, you need to stare down that ugly number and figure out how to best bring it down to zero. To me this involves two basic mathematical considerations — 1) if you’re in this much debt, you’re simply spending too much of your discretionary income and [...]
Ok, so some of you may have been reading this blog so far and are saying, “Well that’s great, Craig, but where were you 6 years ago?” Some of you already have steep consumer debts to deal with. Maybe you have been afraid to open that envelope every month because you know the number in [...]
Most full-time employers offer retirement plans where the employee defers X amount of pre-tax dollars each paycheck which go into a retirement investment account. Many of those employers at some point match that investment with company money or otherwise establish some sort of pension for employees with lengthy tenures. (FYI- be thankful to your employer [...]
You may have read part 3 and responded with, “why in the world do I need to save $500 or more per month on top of stocking money in a 401K? I wrote down every expense I have AND I’m already saving for retirement!” My response: “No…… you just THINK you wrote down every expense [...]
Ok, so we got through the first two steps, and you were probably thinking, this really isn’t so hard, right? It’s almost like trying a new workout program, and knowing it’s going to be really hard, but the first 5 to 10 minutes of stretching lulls you into a false sense of security! Now the [...]
In a blog dedicated to help keeping you out of debt, you may be surprised to see a post titled “Acceptable Debts.” However, the crippling debts that we really aim to help you avoid are consumer debts, particularly credit cards. Very few 18 or 22 year olds can afford the steep costs of education for [...]
The next few tips all fall under the umbrella topic of budgeting. Being self-aware in the case of budgeting means knowing how much self-scrutiny must be applied given your spending habits. Are you a well-to-do professional who enjoys simple pleasures or are you a middle class professional with expensive taste? We all know who we [...]
Will, not wealth, is the most powerful tool in a debt-free person’s arsenal. Humans are capable of incredible things when they put their heads into it. All worthy actions begin in our minds, whether it is an author’s next great book, a couple’s decision to start a life together, a quarterback’s decision of where and [...]
Best Healthy Snacks
Spiritual Movies | Day 14 of the Meditation Challenge
Don’t Keep Your Money in the Bank
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