Know Your Warranty, Or Pay The Price

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I watched my wife cringe as she sat in the living room chair. She paused the television and told me to listen. She was irritated by the high pitched squeal emitted by our air conditioning unit each time it started up. I heard it, but it just seemed like background noise. It didn’t bother me in the least, but it was like nails on a chalkboard for her. It’s been making this noise for years. It squeals for a few minutes, and then it quits. We had someone come out to take a look at it a few years ago, […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/24

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In last week’s fist pump session, I mentioned I was taking the day off to make a brisket.  I introduced some new things into my process that I had seen on the TV show BBQ Pitmasters, and the result was the best brisket I’ve ever made.  I had a fantastic day tending my smoker, and turning a 16 pound piece of raw beef into something delicious.  The next day, we hosted some friends to help us eat the brisket and play Card Against Humanity.  Overall, the $50 I paid for the brisket provided two days of fun an entertainment, as […] Read more »

Cash Only Spending Weekend Success Story

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Last week Vonnie and I got back on the cash only spending plan that helped us pay off a mountain of credit card debt. Living within our means, and spending only the budgeted cash we have in hand, sometimes require tradeoffs be made. There’s only so much you can do with a finite amount of funds. It took exactly one week for just such a challenge to arise, and for our methodology to validate itself. Our initial spending plan for the weekend included just a few things:   Fire Up The Smoker : I was watching an episode of BBQ […] Read more »

How to Stretch a Dollar While on a Trip

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Who doesn’t want to save money when they travel? If you are going to be flying, your airfare will be costing you enough money. There is no need for you to spend more on things that you do not need. The more money you can save on unnecessary expenses, the more money you will have left over to spend on things that you really want. In order to save as much money as possible during your vacation, you will need to spend some time doing some research before you leave. This research can consist of calling various hotels and confirming […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/17

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I watched an episode of BBQ Pitmasters a few days ago in which the contestants made brisket.  I’m always looking for new tips to help perfect my brisket technique, so I made some notes while I watched.   It put me in the mood to fire up the smoker, so I asked Vonnie if I could make one this weekend.  We agreed to put it in the spending plan.  There’s a chance for storms tomorrow, so I decided to work from home and smoke it today.  All I have to do is throw it in a roaster tomorrow for an hour […] Read more »

It Feels Good To Be In Control

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At the beginning of June, I recognized that we had let all the habits that helped us successfully manage our finances fall by the wayside. My wife and I had a long financial discussion and vowed to get back on track. We even reviewed the actions we needed to put in motion. Then along game a series of life events: Grandma’s Marathon Weekend Wedding Anniversary 4th Of July Vonnie’s Birthday Family Vacation to Wisconsin Dells It would have been fantastic to get our processes rolling in the right direction again before these events since they all required spending a significant […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 7/10

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It’s been a busy front half of the Summer: Annual Memorial Weekend Party Grandma’s Marathon In Duluth Anniversary 4th Of July Party Vonnie’s Birthday Family Vacation in Wisconsin Dells Whew, I’m worn out, and so is our bank account.  We’ll be coasting the rest of the summer, with no big plans.  That will allow us all to relax, enjoy some good times just hanging out in the summer weather, and for our reserve funds to build back up. Fist pump for coasting the rest of the summer!  What does the rest of YOUR summer look like? Posts That Make Me […] Read more »

Grillin’ And Chillin’ Summer Series: Bratwurst Hot Tub

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It’s officially summer, EOD Nation, and that means it’s time for BBQ.  Over the next couple of months I’ll be periodically be sharing some of my favorite summer recipes to help you be the king of the backyard BBQ in your neighborhood! It’s no secret I’m a huge fan of lighting up the grill or smoker and cooking up some delicious food using a live fire. BBQ, like many hobbies, is something a person can always learn new things. There is always a new recipe to try, or a new technique to learn. While I have no problem lighting a […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup 7/3

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Happy almost Independence Day Friday, EOD Nation!  Since the 4th of July falls on a Saturday this year, my employer gives us today off. So what will I be doing today?  Oh, I’m so glad you asked……I’ll be spending it reconciling the checkbook and working with my wife to come up with our spending plan for the next two weeks.  We’re a few days late, but life has been busy lately, and I’m glad to have the day off to play catchup with our financial planning. Tomorrow we’ll be having some friends and family over, busting out the grill, and […] Read more »

Borrow smart – how to go about getting credit the right way

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If you are lucky enough not to need a loan or to take out credit again either now or in the future, then that’s great for you. However, for the majority of ordinary folks getting a loan, credit or mortgage is an everyday way of life to buy more expensive things we need or want in life. However, when taking out a loan or any type of credit you need to shop smart if you’re to take advantage of the lowest rate loans. Here is some straightforward credit advice from the experts at UK financial and loan comparison site lendingexpert.co.uk. […] Read more »

Are You Conscientious or a Slacker?

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Extremely frustrated, I waited in a parking lot for one last person that was running late. They were supposed to arrive at 7:30am and the instructions clearly stated the youth group would leave the church at 8:00am sharp. It was this person’s tardiness that broke my wife’s perfect parent streak. You know what I mean; the mom who waves to her child as they drive away in excitement to a five-day excursion of hiking, singing songs by the bonfire, and getting yelled at by counselors because you’re making everyone in the cabin giggle when you should be sleeping. Here it […] Read more »

Will Your Job Affect You Buying Life Insurance?

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When it comes to determining life insurance coverage and premiums, an applicant’s health and family history are usually the first items that come to mind. Life insurance underwriters, however, take more factors into consideration, such as your occupation. The underwriters evaluate applications and determine coverage amounts and premiums based upon their company’s specific underwriting guidelines. These guidelines have been created based on risk evaluated by actuaries. If your job puts you at a higher risk, in other words there is a greater chance the insurance carrier may have to pay a death benefit claim, then chances are your insurance rates […] Read more »

This Is Why You Pay Yourself First

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I’ve been generally keeping an eye on what my son spends his money on, as I can see his account details when I log into my bank’s online portal. The agreement was that he could spend his first two paychecks as he wished. After that, he must transfer $150 of each paycheck into his savings account. Transferring the funds to his savings account on payday is a great way to teach the concept of pay yourself first. We haven’t made it to the bank yet to open his savings account. But, I’ve been keeping track of how much of his […] Read more »