How Are You Wasting Your Money?


I like to re-evaluate all our expenses every couple of months to make sure we’re getting the most value for our money. Priorities and interest change over time, and therefore how we choose our money will change over time. Weeding out those monthly expenses that don’t add any enjoyment or use to our life will free up funds for activities that do. I went through one of these exercises over the weekend, and found several monthly expenses that we will should discuss whether continuing them is in our best interests: Magazine Subscription I had a subscription to Runner’s World for […] Read more »

How Money Moves


Money buys the things you need. But have you ever pondered the larger currency cycle and how your money influences that cycle? It’s an expansive and intricate process for sure. A dollar bill stays in circulation for just six years, yet it covers a lot of ground from its first day in circulation to its last. On average, a dollar bills journeys more than two miles per day and is touched by more than 55 people each year. While physical money is easy to visualize and begins its life by first being minted or printed at facilities throughout the United […] Read more »

18 Smart Ways to Save Money on Your Utility Bills

18 Smart Ways to Save Money on Your Utility Bills

I’m all about saving money wherever I can.  Especially when it comes to saving money on utility bills and other recurring expenses that can get out of hand very quickly if you’re not paying attention. So I thought I would share with you all the ways I’ve found to save money on your utility bills. Saving Money on Utility Bills is Easy! It’s really not that hard to save big bucks on utilities when you know what to do.  Sometimes saving money simply comes down to changing one or two habits, and sometimes it entails making an investment now that […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 4/22


May is going to be a busy, busy month. We’ve got a trip to Austin, Texas planned for a gaming tournament my son wants to go to.  Our daughter is getting confirmed, and we have our annual Memorial Weekend party.  So, I’m very much looking forward to the next couple of weekends of not doing much both physically AND monetarily. Fist pump for a quiet weekend, and exciting May, and my favorite posts of the week! Posts That Make Me Fist Pump Escaping the 30-Year Mortgage Trap from Club Thrifty 6 Ways to Save at the Grocery Store Without Coupons […] Read more »

A Start-Up Guide to Start-Up


According to the Merriam-Webster dictionary, the term “start-up” pertains to “a fledging enterprise” or “…the act or an instance of setting in operation or motion.” Start-ups are new businesses, a group of people who came together and created a small company for simple solutions. This is a term that has been booming in the world of business. Suddenly start-ups are all over town. Office spaces are occupied by 20-something business newbies, ready to take over the world. Small time businesses are seeking the help of these types of companies because they are relatively cheaper than big companies. Start -up is […] Read more »

What A New Cell Phone Will Teach My Son About Personal Finance


No contract cell phone options have been around for awhile. A few years ago we actually switched to a no contract plan with AT&T which significantly reduced our cell phone bill because the four phones in my family were all considered paid in full. We enjoyed the lower cell phone bill for about six months, then we all upgraded our phones. When we upgrade our phones, our monthly bill went up significantly. The bill went up significantly because monthly payments for the phones were now included in our overall bill. I kept my eye on the date where the phones […] Read more »

Four Budgetting Apps That Make Saving and Budgeting Easy

Having trouble saving money? You’re not alone. According to, one in ten Americans have absolutely nothing saved for retirement. Considering that retirement is quite far away for many folks, it’s easy to see how it gets put on the back burner. But what about the costs that you need covered now? USA Today reports that one third of American adults don’t have any emergency savings, which means they’re just one major car repair or one medical emergency away from going into some serious debt. One of the biggest savings obstacles for many people is not knowing where to start. […] Read more »

Reaching New Customers in New Markets: Understanding the influence of culture

Eric EOD1

Image Courtesy of Every year we get to see the round-up of new stats about how our country has changed. Each year, the Latino population grows and is currently 16% of the U.S. Population, the fastest growing demographic segment. The purchasing power of this group is estimated at over $1 trillion dollars. With this growing trend, is your business ready to communicate to your new customers? It’s not just Latinos either as Asian demographics is also growing in numbers and purchasing power. How is your management ready to engage with this growing market? In a Forbes article about capturing […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 4/15


Yesterday was my daughter’s birthday.  Since she turned 14, and it was the 14th of the month, it’s apparently called her golden birthday.  I had never heard of this until I met my wife, but I guess it’s a thing.  My wife planned a surprise party for her, having all her friends meet at Olive Garden (my daughter’s favorite restaurant). I brought her there under the impression it would just be a few family members.  She was very much surprised.  My daughter had been vocally worried that we were going to try to throw something together for her birthday at […] Read more »

Manage Your Finances: 5 Financial Lessons to Teach Your Younger Self

manage your finances

It is surprising that one of the most important life-skills every young adult needs – ho to manage your finances – is still not taught in school. Young people leave college with shiny new diplomas in fields like technology, marketing, medicine and law but start out in their careers without any financial management knowledge. As a result, many of these people enter their thirties and forties on a financially shaky footing, full of regret at the great number of financial mistakes they made, while wondering what could have been if they had made a few correct decisions earlier on in […] Read more »

Driving Vs. Flying – How Much Did We Save?


My son and I were walking from the beach to our rental home while on vacation in Florida. We were discussing our travel plans home as the next day we were to begin the multiple day drive back to Minnesota. “So, it’s cheaper to drive than it is to fly, right?” he asked. Without hesitation I stated it was much cheaper for our family to drive. I didn’t doubt my answer, but I wondered just how much money we were saving. I decided to do the research and find out. Traveling By Car   Fuel: Our family van averages 25mpg […] Read more »

Why is everyone buying gold?

gold bars 1

Investors have been buying up gold at an incredibly fast rate since the markets opened for trading this year and the increased demand has fired gold up for its best start since 1974. Analysts observe that long unlevered gold ETFs has enjoyed inflows of about $7.3B since the markets opened this year. More so, the most popular gold ETF (SPDR GLD) has seen inflows of $5.5B this year – the highest inflow recorded since 2009 during the global financial meltdown. The uptrend in gold demand is not limited to the United States alone because the demand for gold is rising […] Read more »

Friday Fist Pump: I Love You Like A Blogger Roundup – 4/8


A week ago the Pizel family was driving across the country from Minnesota to Florida.  Today, we begin our way back.  It’s been a great vacation.  We spent countless hours at the beach as well as in the pool at our vacation home.  I’ve maintained my workouts, gone jet-skiing, and gone on a dolphin boat cruise. PLUS, We’ve saved a ton of money by cooking most of our own meals. But I’m ready to go home.  More than ready.  As soon as I hit “publish” on this post, we’ll be packing up the van and heading north.  Hopefully I’ll bring […] Read more »

Your Startup Needs to Think about Workforce

happy people

If you build it they will come. That is the hope for an entrepreneurial start up. How do you get there? The way to make it happen is to empower your employees to be brand managers, to be evangelical, to care about the business. Any efforts supporting this direction will be returned to you ten-fold. BRAND MANAGERS Every employee, from the mail clerk to the CEO, should feel ownership in the company and should fully understand the mission and the brand that it supports. Every action, whether in personal or public life, should reflect this understanding and cohesion to the […] Read more »