The Ultimate Predicament: No Debt

Shouldn’t we all have a goal to be debt free?  It obviously makes the most sense; live better and more comfortably with less liability.  This has been my goal for as long as I can remember.  Unfortunately, circumstances like a divorce, along with some bad financial decisions (at least I admit it, right?) along the way, left me in a tough situation like like a lot of others I know. One step at a time, with limited resources, I’ve dug my way out of the hole.  Most recently I paid off my car.  Wow, what a relief!  To finally have … Continue reading

Earn Cash Credit Online With Swagbucks

Do you do a lot of online shopping like I do?  If so, why not get a piece of the purchase back?  It sounds good, doesn’t it?  Well, a fellow blogger over at, wrote a great article about using just for this reason.  The article clearly explains all the details of how to take advantage of this great program from signing up, all the way to cashing out the Swagbucks rewards.  For me, this is a no-brainer, why not put a piece of the purchase back in your pocket? Saving money and getting back any type of refund … Continue reading

Stop Living Paycheck To Paycheck

I ran across a great article written by Mary Beth Storjohann at Workable Wealth, about breaking the cycle of living paycheck to paycheck.  In the article, an estimated 1/3 of all US households are living paycheck to paycheck.  It’s pretty scary, but very easy to see and/or understand why. People, especially middle-class workers, continue to live right up to their means.  What’s worse is, most also continue to rack up debt in the process.  Once the debt overcomes them, they have an incredibly hard time ever getting ahead. I remember these days myself and that’s why I enjoyed reading her article because it reminded me of all … Continue reading

No Pets = Lots of Extra Cash

For all you animal lovers I don’t want to sound harsh, because in all reality I really do enjoy pets myself.  Outside of the companionship they bring, the truth is, most are expensive to own and maintain.  I didn’t really see this until after I’ve lived without a pet for several years now. Most of my life I’ve owned a dog.   Although I really love dogs, now that I haven’t had one (or any other pet) for about seven years now, I’ve seen some huge savings in the process.  Food, vaccinations, vet bills…it’s really crazy how much money we spend on … Continue reading

Is Good Beer Worth The Money?

I have to admit, I love beer, especially a good craft brew.  So, when it comes to buying beer, is it really worth it to spend the extra money on a micro-brew?  The answer is, absolutely! Of course, this is just my opinion on the matter…but seriously, if you really love beer like I do, why waste your hard earned money on a lame ol,’ average beer?  Unless you plan on just getting blasted drunk (which I don’t do, or don’t recommend doing) why not enjoy a rich, full-bodied, craft brew.  Most good beers are really worth the few extra … Continue reading

I Save Tons Of Money By Being Healthy

I can honestly say that I’ve saved tons of money, year over year, for staying healthy and eating well.  I regularly exercise and eat well with home cooked meals and a Paleo style diet.  To me, when it comes to living frugally, staying healthy is a big part of my plan.  I haven’t been to a doctor in years, so no co-pay visits, no billing from the insurance companies….most importantly, no meds! How many people do you know that are constantly sick?  If it isn’t a cold or sinus issues, it’s stomach problems, or some other health issue. I see … Continue reading

10 Ways To Build Your Wealth In 2015

I came across this great Forbes article written by Laura Shin called “10 Surefire Ways To Build Your Wealth In 2015”, that I wanted to share.  It has some great information that we can all benefit from to help us stay on course to accomplish our financial goals this year.  Check out the article here. I hope 2015 is a happy and prosperous year for everyone.  Stay focused on your goals and monitor your spending closely.  Watch your investment accounts grow and feel good about your accomplishments this year!  

Retirement Savings In The US, A Sad State Of Affair

Due to the fact that pensions seem to be a thing of the past, workers today are forced to rely on self-directed savings plans for their future retirement funds. As millions of people are approaching retirement each year, how are forecasts looking for average American worker and their retirement savings accounts? Among recent articles, one particular piece from the Financial Times (UK) really stood out to me.  According to the author, in one New School study of US Census data, people aged 50 to 64 in the bottom three income quartiles, or 75% of all adults in that group, averaged … Continue reading

Joining The “Million Dollar” Club

Ah, don’t get too excited with the title of this blog….I’m not really there yet, although it is exciting to me to be joining a list of many others that have dedicated themselves to achieving this goal. I recently came across a great blogger J.Money at Budgets Are Sexy that has really inspired me.   He created a Million Dollar Club for people like myself that aspire to build some serious long-term wealth.   Although, at times it seems like wishful thinking for most of us working-class stiffs to make this type of a goal, I see absolutely no reason why … Continue reading

Compound Interest: The Miracle Behind Wealth Building

An important feature of investment returns is something called “compound interest”.  With compound interest you can turn a modest middle-class investment account into millionaire status by the time you retire. So how does compound interest work? With compound interest, not only your initial investment appreciates in value over time, so does all the gains on that initial investment.  For example, you might expect $100.00 that gains a 10% annual rate of the stock market to appreciate to $110.00 after one year and $120.00 after two years without compound interest.  But if no money is taken out, then in the second … Continue reading