5 Reasons You Probably Don’t Need A Budget In 2014

5 Reasons You Probably Don’t Need A Budget In 2014

It's that time of year again. Time for the lame goals that everyone sets but never accomplishes. Time to join the gym (again). Time to get all pumped up for like 3 weeks before you settle back into "normal" life and keep doing whatever it was that you were doing before. And the worst culprit of pretend goal-setting is "finally getting on a budget this year." Or it's close cousin, "going to stick to the budget this year." Who needs that crap? I don’t think you should even bother with it this year. Here are 5 reasons why you don't need a budget in 2014. 1. Goals Are Just Too Hard. You'd … [Read more...]

Christmas On The Credit Cards

Christmas On The Credit Cards

Today's post is one that I wrote last year, but I find it still packs a fun holiday punch. Enjoy! Christmas time has come and gone. Presents were opened. Recycling bins stuffed with wrapping paper. Stuff was acquired. And most people had a pretty darn good time enjoying the holiday season. Sadly, it's all over. But for some, the fun is just beginning! Christmas On The Credit Cards As much as we love the memories, food and presents of the holidays, sometimes the holidays come back to bite us in the butt. I'm talking about when we finance our happiness through purchases on credit cards … [Read more...]

Enjoy Christmas By Remembering This One Thing

Enjoy Christmas By Remembering This One Thing

Christmas is finally here. After what seems like months of preparing, we finally get to enjoy the culmination of the Christmas season on Christmas day itself. So what are you feeling about that? Does that bring a sense of joy when getting together with family and friends to enjoy a few days off and celebrate? Or does it bring a sense of relief, that the pressure of the gift buying and party prepping and money burning is finally about to be off, and you can cry in the corner with a glass of wine during Christmas breakfast...? Or maybe you are just sick of hearing about it on EVERY COMMERCIAL … [Read more...]

How To Be A Frugal Friend

How To Be A Frugal Friend

Today's post is by the always lovely, WIFE (not pictured above)! She also has a name. It is Michelle. Give her a round of applause, then take your seats and read her appeal to everyone out there who has friends. For those that don't....I'm sorry. I feel you. I don't have any either. :( When was the list time you hung out with friends? What did you do? Was it fun? I love hanging out with close friends, enjoying each other's company, chattin' up a storm and celebrating life together. It was actually one of the driving factors when we were buying a home, so we knew we needed a big backyard and a … [Read more...]

How To Travel For Free: A Free Trip To Hawaii For 7 People

How To Travel For Free: A Free Trip To Hawaii For 7 People

December marks our one-year anniversary on our adventure earning tons of credit card travel rewards. It started out with a simple goal; "One free family vacation every year." I had read about people traveling around the world on rewards points and such, but it sounded too complicated and elaborate for normal folk such as ourselves to ever get any benefit out of it. We decided to make the leap in December 2012 and have taken 3 trips since then, all paid for with credit card rewards. So for booking our last trip of the year, I decided to step it up a notch and try to get our family to Hawaii … [Read more...]

Your Hybrid Car Is A Waste Of Money

Your Hybrid Car Is A Waste Of Money

Hybrid cars are an amazing invention and an important step toward reducing waste in a world filled with 10 MPG, gas-guzzling hunks of metal. I appreciate the engineering and technology that goes into creating a vehicle that can quietly hum along and get over 50 MPG. But there is something seriously wrong with how people seem to approach the hybrid car purchase…. And that something is math. How People Decide To Buy Hybrid Cars I have been around a few of these conversations. Everyone involved is always so well-intentioned, the sincerity almost passes it off as an intelligent conversation. … [Read more...]

I Broke Up With My Financial Planner

I Broke Up With My Financial Planner

I mentioned a few months back that I finally dumped Edward Jones after 9 years of investing with them and brought my Roth IRA over to Vanguard. I've had a few people email me and ask about the reasoning behind this, as well as the process, so I figure I’d write it out in a blog post in case others were interested as well. Now let me just say this before I get into the post; I don't hate Edward Jones. I don't hate financial planners in general either. I just want to encourage those who may be too scared to even THINK about managing their own investments to take some numbers into … [Read more...]

Oh Crap! You Missed All The Sales!

Oh Crap! You Missed All The Sales!

Black Friday has come and gone. Cyber Monday is a thing of the past. Let's face it; You're screwed. Your lazy butt missed out on all the "best sales of the year." Crap. But did you really miss out? The Hysteria Of Black Friday Sales Let's examine everyone's favorite shopping hell, Black Friday. I've referred to it in the past as the saddest day of the year, and I still hold that view. Everyone skips Thanksgiving dinner and time with their family to hang out with a group of crazed shoppers who are foaming at the mouth to get a deal on a crappy laptop. Then they get all cray-cray and … [Read more...]