A few years back I met a pretty smart young man - someone who was one his way to being very financially responsible, and assured a prosperous life of asset growth. He had obviously been through at least a little bit of personal finance training in his life. He had saved throughout all of his teenage years while driving an insanely cheap and uncool beater of a car. He had banked gifts from family members instead of blowing them on useless stuff. He had secured a four year college scholarship … [Read more...]
Want More Out of Life? Learn The Fast Track Formula of Academy Success
Throughout my life, I've examined a fair number of successful individuals. Being the curious person that I am, I've often wondered, what's so special about them that allows them to continually do the things that they do? A lot of people say you're just born to be successful, that it can't be earned. Well I just can't accept that. I've seen too many ordinary people do extraordinary things to believe that a successful mindset is only inherited. Maybe some people are born with more natural … [Read more...]
Save a G Annually on Your Cable or Satellite Bill (Script Included)
As I write this post, it's late-March. My NCAA championship bracket is actually doing pretty well and I'm glued to my TV every second of every day watching games, highlights, analysis, and predictions of the NCAA tournament. But afterwards, spring will be in the air, and this Louisville, KY blogger will be focused on things that occur in the great outdoors (golf anyone?). This means that my (formerly) $100+ a month satellite bill that I wasn't going to get much use out of is going to be a … [Read more...]
The Massive Opportunity Cost of Stuff
This is going to be a short one, but don't let that throw you. This is actually a really important lesson about personal finance. Pay attention and really think about the lessons taught in this post. They'll save you thousands, if not 10s of thousands of dollars in your lifetime. Opportunity cost - in this sense, refers to the trade off you make by owning something. For example, say you buy a $5 DVD. Well, you don't just pay $5 for it. You also pay for the DVD rack you eventually have to … [Read more...]
Four Smart Ways to Use Your Tax Refund for Success
Alright - So a lot of you out there are probably getting big fat tax refunds rolling in about now (at least a couple Gs, right?). Maybe you're not getting a big fat pile of cash like the one in the picture, but most people at least get a nice chunk of change that can be put to good use, one way or another. So you're probably hearing all kinds of BS right now about what to do with it, and I'm going to help give you some good long term ideas in a second (patience my friend), but first I … [Read more...]
Here’s Why Your Monthly Expenses Are Getting Out of Control
I've used the technique below for the past couple of years, and it has been working out really well. It will not only save you money, but it will also begin to ingrain a nice basic awareness of what is going on with your finances, which can help pave the way for future personal finance training, a gateway savings technique, so to speak :) One of the most awesome payment structures ever conceived by businesses (for businesses) was the monthly subscription. It works amazingly well because … [Read more...]
Is Getting a Side Job Really Doing You Any Good?
Money is good. Even more money is even better. Right? I think it's safe to say anyone reading this blog is hungry for a little bit more monetary padding in the bank. The fact is, sometimes your basic 40 hour a week job just doesn't yield the cash you need (or think you need). Whether it's to have extra spending money or just to try to make ends meet, a common way many people go about bringing in a little bit of extra dough is by getting a weekend or weeknight side job. Ok cool. … [Read more...]
Personal Finance Lesson: An Easy Way to Save $1000s, Take More Vacations, and Have Way Less Junk
So this post probably isn't going to help you save up a big drug dealer style roll of $100s like the image might indicate, but I can promise you that if you try out the simple personal finance training in this post you will experience a very positive gain in your disposable income, which in turn you can spend, save, donate, or do whatever you want with it. For some reason nearly everyone I know is in the following situation. They don't have as much money as they'd like to. They don't have … [Read more...]
Top 10 Reasons Why I Freaking Love Netflix, and Why You Should Too
This is a little bit off topic from what I normally write about, but this Netflix situation is just too good to ignore for me. This one gets a bit long, but there's some good stuff in here, so I hope you'll stick around. Leave Netflix Alone!! When I first started writing this post I thought about making a Youtube video spoof of the "Leave Britney Alone" dude - but in a "Leave Netflix Alone" sort of manner. Luckily for you I decided against it. Mostly because I couldn't find my … [Read more...]
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