I always look for ways to save money in everything that I do.  The way I view money is like a game.  I challenge myself to spend as little as possible while receiving as much value for my dollar as I can.  One example is how I saved $19,853 a year by doing 7 simple things. […]

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Even with all the controversy with the major changes to the health care system in the USA, I have yet to meet somebody who does not want health insurance.  This article is not intended to debate the merits, the morality, or the political stance that people may have with the Affordable Care Act (ACA).  Clearly, […]

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Now that it has been about 2 weeks since the silly season of setting “New Year Resolutions” has passed, lets get our elbows dirty by learning the most effective method for setting goals.  The problem with resolutions is that they have no real direction because they often do not have any strategy in mind.  Resolution […]

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With every new year people tend to set personal goals or resolutions.  It seems that the number one goal is to lose weight and get healthy.  Today, I want to share with you a program that will change your life and allow you to achieve your goal.  This is not a gimmick or a lose […]

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If you are anything like me, or I now should say were, you probably use the same login and password for most of online accounts.  No matter how many times we hear stories about security breaches or receive spam emails from our contacts that came from an obvious hacker, we refuse to believe that our […]

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People love to spend money.  They say it makes them feel good.  If they have a bad day or go through a bad breakup they convince themselves that the cure is to go spend money.  I sort of, but not really understand this mindset.  I was once just like them.  When I had a bad […]

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If you are old enough, you may remember this Coca Cola Jingle?  Regardless, this exemplifies everything wrong not only with Coca Cola, other sodas, but also the big business marketing machine.  This commercial makes it seem that Coca Cola will bring peace to the world, make everybody get along, and make you feel good all over. […]

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I am a firm believer in a personal budget.  There are many systems out there that can be used.  It does not matter what system you use as long as you create budget and put in on paper.  Documenting your budget is what makes it a budget.  It does not count if it is in […]

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Buying a brand new car is the biggest mistake that you can make when it comes to increasing your wealth on your path to financial independence.  I learned this the hard way not only once, but twice!  However, you are not like me.  You are smart.  You do not buy new cars.  In fact, you […]

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