$500 In Free Travel: Barclaycard Arrival Plus World Elite MasterCard Review

$500 In Free Travel: Barclaycard Arrival Plus World Elite MasterCard Review

Free Travel has obviously become a passion of mine over the last 18 months. I went from rockin' a cash-only budget, to booking a Free Trip To Hawaii in less than 2 years, and it just gets better and better. But this did take a little bit of work. I did a few months of research and analysis before jumping into the credit card rewards game, and had figured out the fun tricks to get us free flights and hotels. I signed up for all the best bonus cards, redeemed for 3+ trips last year, and reaped about $10,000 in travel rewards in 2013 alone! But deep down, I really wished that all the rewards … [Read more...]

Saving Money Is Impossible

Saving Money Is Impossible

My recent post seemed to be a hit with the financial bloggers, but not so with people in the real world. I got a few responses showing me how it is ridiculous to consider saving half my income, and heck, I would tend to agree with some of them. I am not currently saving 50% of my income, so who am I to say EVERYONE should be doing this? But just because I am not there yet does not mean I shouldn’t keep my sights fixed on the prize. I look at all financial issues as a challenge to be solved, and like any good engineer, I work to put the pieces together to build the impossible. I received … [Read more...]

The #1 Financial Rule Everyone Should Follow, But Nobody Does

The #1 Financial Rule Everyone Should Follow, But Nobody Does

As an adult, there are a few things in life (let's be honest, a LOT of things) that I look back on and think "wow, you were kind of a moron. How in the world are you still alive?" From the words I said to my everyday actions, my arrogant teenage years and early 20's were filled with short-sightedness and a seemingly lack of common sense. I seemed to float along, pretending to know about everything, but was somehow clueless that blowing through $100k was a bad idea…? I also made a habit out of ignoring good advice, and would retort with things like "just let me live", which actually means … [Read more...]

Used Cars Are Not Money Pits. New Cars Are.

Used Cars Are Not Money Pits. New Cars Are.

And it's time again for my monthly car rant, the game where I show you, the readers, how buying new cars and getting car loans is single-handedly keeping the middle class broke. For those that aren't familiar, feel free to review a few of my favorites, including: You Don't Need A New Car Things I Couldn't Do If I Had A Car Payment How To Buy A Used Car Like A Boss Wisdom About Cars From My Grandpa We Only Drive Fancy Cars And of course… Your Hybrid Car Is A Waste Of Money Today we're going to tackle the ridiculous idea that "cars with high mileage are too unreliable … [Read more...]

You Can’t Take It With You

You Can’t Take It With You

Life has a way of cruisin' along just fine for a long while, and then completely overwhelming you all at once. It ebbs and flows like the tides of the ocean, but can hit you like a tidal wave without warning, destroying your reality and leaving you there to pick up the pieces. I lost two grandparents in the past month. Cancer Sucks Before Michelle and I even got married, we were already talking about baby names. In fact, we had already picked out our first daughter's name while we were dating. And it was no question that her middle name would be June. My grandma June was the sweetest, … [Read more...]

Jacob Featured On Stacking Benjamins Podcast!

Jacob Featured On Stacking Benjamins Podcast!

Hey everyone, Happy Monday! Just wanted to let you all know that I did a very in-depth interview over at StackingBenjamins.com that went over the details of how I spent EVERY DOLLAR that had passed through my hands from age 0 to age 27 (I just turned 28). So head on over to to Stacking Benjamins and click on THIS POST to hear all about my life growing up, blowing through a tons of cash, and the lessons I've learned over the years. And then feel free to let me know how ridiculous I am and how I shouldn't be giving money advice! ;) … [Read more...]

It’s Time To Cut The Cable and Home Phone

It’s Time To Cut The Cable and Home Phone

Since it's a new year, I figure I would post this up. It's the first thing you should do to save your money and your sanity in 2014. If you still have cable, please read this. And then let me know why. :) Today, I've got a special offer for all the wonderful readers of iHeartBudgets. I am going to give away a 4 day cruise to the Bahamas to everyone who reads this post! You read that right, 4 days of all-inclusive fun in the tropic sun, visiting places like Jamaica and Nassau. Swim with the dolphins, eat like a king and let your worries melt away. All you need to do is cut the cable and home … [Read more...]

My Growing Family: The Reason I Love Budgets

My Growing Family: The Reason I Love Budgets

I believe that for most, managing your money well starts with a single moment. An epiphany. Something happens that stops you in your tracks and brings your money issues right to the forefront of your mind, showing you that you need a financial plan. For me, that moment came when I got engaged to my now beautiful wife of over 5 years. I realized that I had blown through a TON of money, and without a financial plan in place, our marriage was going to start off in a world of financial trouble. We got on a wicked awesome budget, payed off debt while living in $14 an hour, and realized … [Read more...]