Being cheap is to buy single-ply toilet paper just because it’s cheaper than double ply. Being smart with money, on the other hand, is to buy double ply toilet paper on sale -- even though it’s more expensive than single ply. I’m not saying that all cheap people buy single... read more →
May
15
May
09
For most of my adult life, I acted like a kid with my money. Kinda like a financial version of Tom Hanks in BIG. Even though I had a beard and a receding hairline, when it came to spending, I hadn't changed much since first grade. If I wanted it, I bought... read more →
May
02
Accountability doesn’t always work. If you’re saying: "I’ll need you to be on top of me or it’s not going to get done." It won’t work. That means you’re not ready. On the flip side, if you say: "I can do it all on my own -- I don’t need... read more →
Apr
25
I love being silly and telling cheesy jokes. To prove it to you, here’s one: What's Forrest Gump’s Gmail password? 1forrest1 Get it? Run Forest run! 1forest1! Lol! 😆 Contrast to daddy jokes; finances are dull and boring. To most of us, there’s nothing exciting about budgeting or spreadsheets. And... read more →
Apr
17
Superman is faster than a speeding bullet, more powerful than a locomotive, and able to leap tall buildings in a single bound. But he’s not invincible. Kryptonite weakens him. If he gets too close, that little glowing green rock will bring him down to his knees. Let me ask you... read more →
Apr
10
Budgeting is 80% emotional and 20% numerical. In other words, 80% of your success with budgeting is based on your emotions, while only 20% is based on your numbers. Learning how to deal with fear, jealousy, and regret are the main components of budgeting you need to master. Sure, an... read more →
Mar
26
Tension is what makes us take action. It’s the urgency that we feel when we need to get something done. If there isn’t enough tension, we "push it off" and don’t do anything. With finances, for example, we feel tension when we see a larger than expected credit card bill... read more →
Mar
19
Mint, Quicken, Mvelopes, and YNAB are just a few budgeting apps out there. They’re all useless. Useless, if you’re not ready to change. All too often, we look for tech to solve our problems. That’s our starting point. Like if we find the right computer program or app, all our financial... read more →
Mar
11
Here are some common things we say: I can’t lose weight. I can’t have supper with you tonight. I can’t get that project done on time. I can’t be happy. Here are some financial (and common) things we say: I can’t pay off my debt. I can’t save money. I... read more →
Feb
26
Most of us keep our finances to ourselves. Kinda like holding a deck of cards to our chest. I get it -- we’re afraid what people think about us. Maybe they’ll think we're a failure. Or worse, maybe they’ll see that we're a fake. So, as a result, we end... read more →