Process Over Outcome: You Should NOT Be Focused On Paying Off Debt

If your focus is to pay off debt, you may be focusing on the wrong thing and headed down the path of failure. This is the conclusion I’ve come to after listening to countless hours of motivational speakers combined with a handful of books I’ve read recently written by people who struggled their way to success. They all say the same thing, and unless they got together and decided on a common underlying message, maybe there’s something to their method.  What they emphasize is actually quite simple; focus on the process, not the outcome. To be successful, focus on the […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 1/20

I went with my son to renew his driver’s license yesterday as he turns 18 next week.  The person who helped us at our local government center asked if he had incurred any driving violations, to which he answered, “No.”  This gave him a small break on the price of the renewal fee.  I didn’t know this discount existed, and apparently it’s a one time thing. It wasn’t a huge discount, somewhere on the order of $6 or $7 bringing the total down to $21 and change.  But saving money is saving money, right? Get those fists up, it’s FRIDAY! […] Read more »

4 Tips To Get Cheap Airline Tickets

My son is planning to fly to Texas twice within a 4 week period later this spring. He wants to go once to attend a video game tournament in Auxtin, and again a few weeks later as he was asked to prom by one of his friends who lives in Houston. I used the word, “planning,” because he has some work to do in determining whether he can really afford it (he has to pay for it himself). The price of his airline tickets will be the largest determining factor in whether he can do both trips or not. Fortunately, […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 1/13

Christmas is making one last appearance for my family this weekend, as my wife’s family holiday gathering is on Sunday.  It’ll be nice to see everyone, even if it is a few weeks past the actual holiday.  You’ll find me on the couch, with a rum and coke, watching the NFL playoffs with other sports fans.  Because isn’t that what holiday gatherings are all about? Fist pump for alcohol, NFL playoffs, and my favorite posts of the week! Posts That Make Me Fist Pump 10 Tools that Help You Budget from Young Adult Money 7 Money Mistakes To Avoid This […] Read more »

Teaching Teens The Cost Of Real Life

I’m a huge advocate of increasing financial education for our children. I don’t feel our school system currently does enough to prepare students to manage their finances successfully. But I certainly don’t think schools should be the only source of financial education. Parents need to play a significant role as well, including ensuring kids have a grasp on how much things cost. I had two wonderful opportunities to do just that over the weekend.   Car Repairs As my son was backing our car out of the garage on his way to school, I heard a loud noise. I opened […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 1/6

Welcome Friday!  My son is about to get his very first car repair bill.  I thought I heard a noise when he was backing out of the garage to leave for school yesterday, but when I opened the door, I didn’t see anything.  A short time later, I received a text message from my son stating he was a little closer to the side of the garage than he thought, and snapped the passenger side mirror off the car on the garage door frame as he backed out.  I don’t have any idea how much it will be to fix […] Read more »

Amazon Makes The Online Return Process Easy and Worry Free

Doing most of my Christmas shopping online was unbelievably convenient, but there was always one thing about the process that worried me. What would happen if something had to be returned? My mind would instantly create a scenario in which it was nightmarish, hard process which would take months to get my money returned. Fortunately, the process was simple and I got my money credited quicker than I would have imagined. I ordered from Amazon a ski jacket my son had picked out, as he wanted to go skiing with his friends. When the coat arrived it didn’t fit right. […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 12/30

As 2016 winds down, I would like to take a moment to thank you, the readers of Enemy Of Debt, for another fantastic year.  I encourage all of you to take a few moments to reflect upon how your finances have played out in the past year.  Think about what went right, and what could have used some improvement.  Enter 2017 with your eyes wide open regarding what you have to do to meet your financial goals! Fist pump for the new year! Posts That Make Me Fist Pump Costco Vs Everyone Else from See Debt Run My husband didn’t […] Read more »

Save Money On Your Home Improvement Projects With The Sherwin-Williams Paint Perks Program

When the cashier asked if I wanted to join their rewards program, I agreed and filled out the short form.  But I wondered if it was really going to benefit me, or if it would simply add to my email inbox clutter. But joining the Sherwin-Williams Preferred Customer Paint Perks program was about to save me big on my latest home improvement project. I was beginning a project to give my son’s bedroom a new look, starting with a fresh coat of paint. I had seen a color I liked at a restaurant, and ended up getting the name of […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 12/23

There are only a few more days until Christmas, do you have your shopping done?  I have a few small things I’m picking up yet today, but otherwise I’m ready to go.  To put a cherry on top of the holiday season, it’s currently snowing outside, and we’re planning on doing some additional holiday baking this afternoon. Feels like Christmas, looks like Christmas…….FIST PUMP! Keep ’em up for my favorite posts of the week!  Posts That Make Me Fist Pump What I Want My Kids to Know About Money from Club Thrifty 6 Expenses That You Should Review in the […] Read more »

A Frugal Fun Spa Night For Teens

If you are or have been the parent of a teenager, you know they love to hang out with their friends, but finding new, fun and exciting things to do is sometimes a challenge. My daughter enjoys having her friends come to our home, but she’s constantly worried that they always do the same thing and tries to come up with ways to make each get together unique. Whenever possible, my wife and I try to find inexpensive ways to help her out and this weekend we had the opportunity to make a sleep over with her friends a night […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 12/16

We’re anticipating the arrival of a snowstorm in Minnesota that will dump somewhere between 6-12 inches of snow on us between today and tomorrow.  In anticipation of not being able or wanting to leave the house for the next day or two, I went to the grocery store to pick up some essentials.  Well, that was my intention anyway.  I ended up full fledged grocery shopping.  I guess I should have had a list……. Fist pump for snow storms, and my favorite posts of the week! Posts That Make Me Fist Pump What Can I Pay Out of My HSA? […] Read more »

Nobody Cares About Your Insurance Benefits But YOU

Don’t think for an instant that insurance companies care about saving you money on your medical expenses. It’s your job to make sure they cover everything your plan provides, and that the money actually gets where it’s supposed to go. If you don’t, you could pay hundreds or thousands of dollars too much out of your pocket. My daughter got braces on her teeth earlier in the year. Our insurance provides orthodontic coverage of 50%, with a lifetime maximum benefit of $2500. Each month the orthodontist sends the insurance company a bill for $229 and in return the insurance company […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 12/9

I’ve held off as long as I could, but I can’t prevent it from happening any longer. I’ve knocked out a HUGE chunk of my Christmas shopping by just sitting in front of the computer, typing and clicking, then waiting for the packages to arrive.  Unfortunately I’ve reached the point in the program where I need to go to physical brick and mortar stores to complete my shopping.  Wish me luck.  How much of your shopping have you done online this year?? Fist pump for online shopping, AND my favorite posts of the week! Posts That Make Me Fist Pump […] Read more »