My Road To Financial Wellness and Resources That Helped Me Along The Way

My Road To Financial Wellness and Resources That Helped Me Along The Way

The following blog post is part of the The Road to Financial Wellness Blog Tour. Over a period of 30 days, the Phroogal team will go to 30 locations to raise awareness about financial empowerment. Today they will be in Seattle! Our goal is to help people learn about money by starting the conversation. We understand that local conversations can help bring about national awareness. My man Jason over at Phroogal is doing something amazing. Wait, no, more than amazing, it's ABSOLUTELY FANTASTIC! He's traveling around the country on the open road, covering over 10,000 miles to meet in local … [Read more...]

Go Ahead, You Deserve It

Go Ahead, You Deserve It

They say that money is far more about what happens in-between your ears than what happens inside your wallet. The psychology of personal finance is VERY fascinating, and probably the most important part of getting a handle on your money. There are tons of different psychological traps we can fall in to that cause us to veer off course with our financial plan and make dumb money decisions. Today, I want to dive into the psychology of one of the biggest reasons for the mis-handling of your precious dollars, and what we can do to combat this financial temptation. The Trap Getting on a budget … [Read more...]

Jake, It’s Time To Fix Your Food Budget (With Emeals)

Jake, It’s Time To Fix Your Food Budget (With Emeals)

Today's post is a conversation between me and the little voice inside my head. Feel free to listen in. Voice: Jake…..JAKE….JAKE JAKE JAKE JAKE JAKE JAKE Me: Ok! What? Voice: Haha, just playin'. Me: Uh…ok, weird. Voice: Well, now that I have your attention, what the junk are you going to do about your food budget this year? Me: Whaddya mean? Voice: Dude…DUDE…..DUUUUUUUUDE! Me: Ok, seriously annoying.. Voice: Dude Me:   :-| Voice: Well, you spent like $300 a month eating out last year. The heck is that all about? Me: Oh yeah, that….well, my new job threw me all … [Read more...]

10 Things People Waste Money On

10 Things People Waste Money On

My ol' pal (not really) Dave Ramsey had a post recently about stuff people waste money on. Then Free Money Finance put together his take, and then my buddy (really) J. Money over at Budgets Are Sexy went through the list as well. And since we all have different stances on these things, I figure I'd go through the list as well. But I'm also going talk about our personal BIGGEST MONEY WASTERS in our budget and talk about what we're doing to fix it. Ready?! 10 Things People Waste Money On Credit card interest Now this one really sucks. Credit card interest is paid when you can't … [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...]

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...]