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...]

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...]

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...]

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...]

Breaking the “Saving Money” Myth

Breaking the “Saving Money” Myth

Since we are entering the consumerism season, I thought I'd post an oldie (but a goodie) on why you should just avoid all the advertising NOISE out there and only spend money on "real" deals. If you subscribe to my blog today, you will SAVE 95% on EXCLUSIVE EMAILS from my automated Wordpress system. Why pay nothing when you can be part of the elite club and SAVE ALMOST 100% of the cost of reading this to stay in touch with iHeartBudgets and their AMAZING ARTICLES!!!! But wait, THERE'S MORE! If you subscribe now AND follow me on Twitter and Facebook, you can SAVE NEARLY 300% on the cost of … [Read more...]

When To Go Christmas Shopping

When To Go Christmas Shopping

I know, I know, too soon, right? But bear with me here. I have already been seeing the usual suspects around town. Christmas lights in the "seasonal" section of the grocery stores. Christmas lights on my friggin' neighbor’s porch. CHRSTIMAS LIGHTS ON THE INTERNET! Whether we like it or not, seasonal creep is happening everywhere we look, AND YOU CAN'T STOP IT. So might as well talk about the inevitable; Christmas Shopping. Christmas is the single most profitable event in human history. Especially in the land of cash money, America. According to the National Retail Federation, holiday sales … [Read more...]

What’s Your Percentage?

What’s Your Percentage?

I love numbers. I love to break them down, work them out and come up with awesome uses from math. But I have a LOVE/HATE relationship with percentages. Sometime I find them very useful in laying out the data I'm looking at. But other times I find them deceptive, and don't really trust what they are telling me. To quote the movie Anchorman, "60% of the time, it works, EVERYTIME." But when percentages are useful, they can help us see what we couldn't see before and set goals to improve the percentage to get where we want to be. So today I want to look at the percentage of income you are using … [Read more...]