What Charcoal and Beer Teaches Us About Making Choices


The end of May is in sight, the temps are getting warmer, and Summer is on everyone’s mind. There are great sales popping up everywhere for outdoor home improvement projects, and garden centers are opening up with huge selection of plants, yard care products and grills. Speaking of grills, this time of year I keep my eyes for sales on charcoal. Between my smoker and my grill, I use a lot of charcoal. If I see a great sale, I load up the van and pile it up in a corner of my garage to be used throughout the summer. […] Read more »

Tips When Borrowing Money Against 401K


When in a pinch, it’s good to know that you have a 401k loan there to back you up. Not only do you have quick access to your own money, but the interest paid goes directly back to yourself. A 401k loan can actually be thought of as just borrowing and not a loan since there are no credit checks, and it’s your own money. Although there are rules limiting your abuse of your 401k account, there are still a few tips you should use when borrowing against it. Use it as a Short-Term Loan Many employer sponsored 401k plans […] Read more »

I Love You Like A Blogger Roundup – 5/22


The weekend with our big annual party is here!   I’ve been on vacation from my day job, but it hasn’t felt like vacation.  I’ve been cleaning, smoking meat, and decorating all day every day.   It’s been important to me to make the time to get my marathon training in too, however.  I’ve also found a little time to do some blog reading. So enjoy your holiday weekend, and my favorite posts of the week!   Posts That Make Me Fist Pump Showing yourself Financial Forgiveness from Frugal Rules How to build a Life you don’t have to Retire […] Read more »

Choose Role Models To Drive Internal Change


Over the weekend, my cousin’s husband ran the Green Bay Marathon. His official time was 3 hours, 7 minutes and 18 seconds, with an average pace of 7:09 per mile. His time was good enough to qualify him for the Boston Marathon. I’m in complete awe at his accomplishment, as it’s something that I hope to do some day as well. It wasn’t hard to be just a little jealous. I was thinking about my inklings of jealousy as I was driving around running errands yesterday afternoon, and then relating it to my post last week about the Joneses. Were […] Read more »

Your First Rental Property: Pointers for Aspiring Landlords


So, you want to become a landlord, do you? This is an investment that a lot of people dream about owning, but too few are ready for when they sign the mortgage paperwork. Here’s how to get started without losing your sanity or draining your bank account. Start Slow and Make It a Low-Risk Investment Start slow with one home or apartment complex. If possible, hire help so that you’re not trying to buy the property, handle the legal, and advertise for renters all at the same time. Real estate can be a great low-risk investment if you’re buying in […] Read more »

I Love You Like A Blogger Roundup – 5/15


I’m on vacation next week from my day job.  I’ll spend the entire week cleaning, organizing, and shopping for our annual Memorial Weekend Party which takes place next weekend.   Most importantly, I’ll be firing up my smoker almost every day to create some smokey yummy goodness for the party. That’s my fist pump for the week, what’s yours? Posts That Make Me Fist Pump It’s A Way of Life, Not an Event from Frugal Rules 8 Delicious & Frugal Grill Recipes! from Bargain Babe How would you like to be debt free, forever? from Debt Discipline Wants Vs. Needs – […] Read more »

9 Tips For Creating Discipline With Money

9 Tips For Creating Discipline With Money

I frequently get questions from my readers about how to resolve their various financial problems.  The questions range from not being able to save enough, to tackling huge amounts of debt, to how to stop living paycheck to paycheck. One of the common themes I’ve discovered in the hundreds of emails I’ve received, is that most of those readers tell me the root of their problem is a lack of discipline. Lack of Money is Not the Problem Learning discipline when it comes to money is not always easy, but it’s necessary if you want to get ahead financially.  Many […] Read more »

11 Signs You Need to Stop Taking Investment Advice From Your Broker

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Your stockbroker might provide free investment advice, but it could end up costing you. Most brokers who offer “free financial advice” receive commissions for selling investments. If a bank really wants to push a security, a broker will get a big commission for selling it to you. When there’s a big fat commission on the table, it’s all too tempting for brokers to think about what’s best for them instead of what’s best for you. If you notice any of these 11 telltale signs, switch to a fee-based financial planner. 1. You’re Promised Fast, Guaranteed Results Guaranteeing results in the […] Read more »

Tell The Joneses To Go To Hell, They’ll Respect You For It


It’s taken me over 41 years of walking this earth, but I’m finally getting a grip on the person I want to be. It’s been building for awhile, but my perspective was reinforced at a gathering with friends over the weekend. It was our monthly gourmet club get together, which is basically a modified potluck. The host picks the theme and prepares the main course, and the rest of the guests bring an appetizer, side dish, or dessert that matches the theme. It’s a great group of friends, and we always have a lot of fun. It’s also an event […] Read more »

How White-Collar Crime Affects Your Pocketbook

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Between 1980 and 2008, the population of U.S. citizens in prison more than quadrupled from 500,000 to 2.3 million. The U.S. has just 5 percent of the world’s total population, but it houses 25 percent of the world’s incarcerated population. At the same time, white-collar crime prosecutions have plummeted. Justice Department data shows that white-collar crime prosecutions have dropped 26.8 percent since 2010. At the same time, reports from the National White-Collar Crime Center estimate that nearly one in four American households become victims of white-collar crime. Between 2003 and 2012, the median amount of money involved in financial fraud […] Read more »

I Love You Like A Blogger Roundup – 5/8


This weekend brings us Mother’s Day 2015.  I’ll be traveling to see my mom to honor her in appreciation of all the wonderful things she’s done for me, and for the great mom she is. Check out my favorite posts of the week, but DO NOT forget to fist pump for your mom this weekend!   Posts That Make Me Fist Pump How to deal with expensive friends from Get Rich Slowly What Does Financial Independence Look Like? from Young Adult Money How to Talk About Finances With Your Significant Other from DINKS Finance Why You Need Life Insurance, Especially […] Read more »

Sharing Memories On Mother’s Day Using The Lowest Priced Unlimited Plans From Walmart Family Mobile


This shop has been compensated by Collective Bias, Inc. and Walmart Family Mobile. All opinions are mine alone. #MobileMemories #CollectiveBias When I was a kid, my grandparents lived within ten miles of us, so it was easy for my parents to make the rounds on Mother’s Day. My parents could see their moms, AND show off their grand kids at the same time. Now that I’m an adult, my immediate family is spread out making it sometimes difficult to make it home for Mother’s Day. The good news is Walmart Family Mobile makes it easy to wish our moms a […] Read more »

The One Reason For Eating Out That Is a Big Fat Lie


I think we would all agree that dining out is more expensive than cooking at home. We all go out to eat from time to time, but did you notice that we always seem to attach some sort of excuse to it? Whether we’re celebrating, or we’re on vacation, or we’re just too busy to cook it seems like we have to justify to ourselves a trip to a restaurant. Sometimes there are some valid reasons, sometimes there isn’t a reason other than we just want to and that’s OK. But there’s one excuse that we tell ourselves over and […] Read more »