August 24, 2017
I’ve got some crazy dreams for my life – let me tell you. I would love to travel more, have a little bigger house, buy a pick-up again, have a small sailboat, build a strip-built kayak, go back to school for a master’s….. oh, there is so much I could do.
If you can’t tell, I can easily be a spender. Even as a ‘certified consumer credit counselor’, spending money could easily become a regular habit for me. That’s why I always appreciate clients who specifically state ‘saving more money’ as one of their personal goals. And when they say it, I have to agree, that sounds like a good goal for me too. Yeah, sure. I want to save more money too. Read the rest of this entry »
February 9, 2017
What’s probably the top goal that I hear from people? They want to “save money”. Great….. so what does that mean? Spend less? Get better deals? Oh, no. They want more money in their savings account. I suppose you could say they want to be money hoarders. Now I’m not against having more money in savings, but I think, in most cases, they have the cart before the horse if you will.
So, what’s the one key thing to saving more money? The real lynch-pin? The keystone that holds it all up and together?
Spending. Read the rest of this entry »
September 15, 2016
Mmmm. Vanilla ice cream. Vanilla is the greatest flavor of ice cream ever. I know, it’s plain, not overly stimulating in the flavor department, and easy to find. But with that one flavor I can meet just about any mood I’m in. Without clashing, I can add chocolate syrup, caramel syrup, fresh strawberries, peanuts, even crème de menthe. Try that versatility with just about any other flavor and eventually you will have a bad, bad dessert that is anything but a treat. Vanilla is definitely the way to go.
If only life were like ice cream. It would be so easy, so predictable. We would know exactly what is coming. We would always know we were safe. It would be perfect.
But life isn’t vanilla. And that’s a GOOD thing. Read the rest of this entry »
May 9, 2016
K.I.S.S. Most of us have heard the acronym. And most people translate it as Keep It Simple Stupid. But I don’t like calling people stupid (unless I’m behind the wheel and the driver ahead of me is being stupid), so I switch it up a little. I translate it to Keep It Stupid Simple. You know – concepts so simple that they sound absolutely stupid. You might roll your eyes at them, BUT THEY WORK! Read the rest of this entry »
January 11, 2016
This year…. “I will lose weight.” “I will save money.” “I will be healthier.” “I will get a better job.” “I will read more.” “I will travel more.” “I will work out more.” “I will make a difference.” “I will get more organized.” “I will spend more time with family.” “I will enjoy life more.” “I will spend less money.” “I will learn something.” “I will eat healthier.” “I will travel.” “I will be less stressed.” “I will drink less.” “I will help someone.” “I will find love.” “I will be more timely.”
Did you made your New Year’s resolutions? How’s it going with that? After all, these will set you up for a year of great fame, fortune, and happiness beyond measure. If you actually do them, that is. According to StatisticBrain.com, 62% of Americans will at least occasionally make a New Year’s resolution. As many people as there are that make resolutions, only 8% of people report achieving their resolutions. That’s less than one in ten that actually meet their goals.
Ouch. Read the rest of this entry »
April 30, 2015
As the end of school approaches, my wife and I have started planning for the summer. Having already taken a big trip, we aren’t really planning on any trips other than a couple of family reunions in the area. None the less, we have some vacation time to use. So what to do, what to do? As we both look at taking vacation the week of July 4th, I think I have a week of vacation traveling planned for a mere $100. Read the rest of this entry »
April 13, 2015
I woke up to work out one morning to the sound of raindrops on the roof. To me that meant one thing, my run would have to be on the treadmill this morning. To try to distract myself from the monotony of running on the treadmill, I was paying special attention to the lyrics of the songs playing through my headphones. The song that came on first was “Hey Baby” by Pitbull and T-Pain. I was surprised to find that within the lyrics of this rapping and partying duo was a line in Spanish that means “He who doesn’t listen to advice, doesn’t grow to an old age.” Read the rest of this entry »