Financially Stressed? Give Yourself This Gift

Financially Stressed? Give Yourself This Gift

As we near Christmas, we finally start wrapping up the last of our holiday shopping. Gifts are purchased, wrapped and put under the tree as eager family awaits Christmas morning. In a flurry of wrapping paper, red bows and cardboard boxes, we get to enjoy gifts from those we love, and experience the joy of giving to our loved ones as well. But most people neglect to get themselves a gift. So I'm going to let you in on a little secret about the best gift that you can give to yourself this Christmas. It's a simple gift, but can have a profound impact on your financial future. What Is … [Read more...]

Want To Be A Success? Follow This One Simple Rule

Want To Be A Success? Follow This One Simple Rule

Ok, time for a mental exercise. Close your eyes. Or…at least think about what it would feel like if you closed your eyes. Got it? Ok, now clear your head of any thoughts. All you can hear is the sound of my (online) voice. Ok, now, tell me the first thing you think of when I say this word: Success. What popped into your head first? Was is a shiny red Ferrari racing down the Autobahn at 150 MPH? Or maybe your dream kitchen, complete with built in espresso machine and hired master chef? Or possibly sipping fine wine on your private jet over to Italy? Success is one of those … [Read more...]

How To Turn Your Resolution Into A Goal (And Actually Accomplish Something!)

How To Turn Your Resolution Into A Goal (And Actually Accomplish Something!)

Welcome to the New Year, everyone! I hope you're ready to kick some butt! While everyone is patting each other on the back and complimenting each other on their wonderful New Year's Resolutions, over here at iHeartBudgets we're getting our wimpy budgets in shape by kicking lame "resolutions" to the curb and coming up with something strong and durable… GOALS! And before we jump in to the details of how to pump those weak-sauce resolutions with some goal-juice, let's talk about what a resolution and a goal actually are. Resolution: Defined Straight from the dictionary: A firm … [Read more...]

What Is It Going To Take? Srsly!

What Is It Going To Take? Srsly!

My blog just passed the 2 year mark on May 1st. It's crazy to think that I have been writing about money for 2 years straight, and still have 100+ ideas for future posts. I mean, is there really that much to talk about? Managing money is actually pretty easy. Make money Create a budget plan for that money based on your priorities/goals Save and spend money according to that plan ?????? PROFIT But Why Is It So Hard? There's only  5 steps to making money work (see above). But why is it so hard to actually stick to that budget plan? And why do most people forfeit the idea of even … [Read more...]

Life Is Too Short To Be Lazy

Life Is Too Short To Be Lazy

As I drive to work in my 300,000+ mile vehicle, I realize that, at the age of 28, I'm an old man. I listen to talk radio, yell at the stupid commercials, and glare at those "pesky teenagers bumping their techno-jazz-fusion-punk-rock music!" You know, unless they play a rap song from the early 2000's, then I'm crankin' that ish up and getting' crunk! ….. But back to the talk radio. On my way to work, I get to hear the exciting debate over the Seattle, WA minimum wage. If you're not from here, you might not know it, but we boast one of the highest minimum wages in the country. The national … [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...]

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...]