How Overpriced Is The Olive Garden? The Post Where I Say “Hell No” To Takeout Pasta


It’s no secret that I dislike going out to eat. To be specific, I don’t like going out to eat just to order something that I could make as good at home, at significantly less cost. I don’t mean to dwell on this subject, but eating out is just such a colossal waste of money.  The absolute worst offender is anything pasta related, including a favorite restaurant of my wife and daughter; The Olive Garden. Look, it’s not The Olive Garden’s fault that they garner such hate from me, it’s just that taking a family of four there for dinner […] Read more »

The Best $250 Gadget Ever Purchased

iPod cracked 01

A friend of mine suggested I stop fighting with my old, cracked iPod Nano and replace it with something more current. Call me cheap, frugal, or nostalgic – I just can’t bring myself to part with my old friend (the iPod, that is). Gadgets are exciting! Gadgets are fun. Gadgets make life easier. They are also expensive. Americans spend thousands of dollars on new gadgets – sometimes all at once! A new TV, new phones for the family, and upgraded game systems sit under the Christmas tree each year. There is nothing wrong with that, of course – as long […] Read more »

My Favorite Part Of Having Control Of My Finances


One of the most common questions asked of people going through the process of paying off a mountain of debt is what they will do with the extra money each month once the debt is paid off. Another similar, but slightly different question is to describe how life is different now that the debt has been paid off. I’ve been asked these questions countless times. It’s easy to give the standard answers of build a larger emergency fund, invest more, or save for the kids’ college. I’ve given all those answers. There’s certainly nothing wrong them, as they’re the answers […] 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 »

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 »

13 Ways You Can Save Money On A Low Income

save money low income limited income

I get a lot of questions from readers wanting to know how they can save money on a low income, so I thought I would write a post about some of the suggestions I’ve been giving out that can help you put money in the bank, even when you’re living on a limited income.  I’ve also included some great resources along with the suggestions that will help you get started putting money in the bank right now!   You Can Still Save Money On A Low Income When you’re living on a small income, it can be especially hard to […] Read more »

Four Ways to Tackle Your Debt and How to Decide Which One is For You

tackle your debt

Did you think that to tackle your debt is simple and straight forward? Think again! You see, when we first realised how much debt we had all I wanted was that it disappears. Oh, I know this would have taken magic I regretfully don’t possess. It may have been done by going bankrupt were we ready to take the consequences. This wasn’t our way and we did it ‘the proper way’. We reduced our spending by developing and using the ERR strategy for money management. We learned how to make more money. And we put it all against the debt. […] Read more »

Getting Real To Get Out Of Debt

get out of debt

Editor’s note: The world can seem a bleak place when you are in debt. You look on your life, and the lives of the ones you love, and there is nothing than debt, strict budgeting and denial of your most sacred and cherished wants. It isn’t like that. There is life after debt and there is nothing like the story of a debt-survivor to make you see this. Today we bring you Jon’s debt story and hope you’ll be inspired. Jon is a fellow blogger who paid off his debt and is now building a decent investing portfolio. My name […] Read more »

A Conversation Overheard: Teenagers Ordering Pizza For The First Time


Working at the kitchen table, I had my back to my twelve year old daughter and her friends who were watching TV in the living room. It was the first day of Spring Break, and they were excited for a week without school. I tried to tune out the sounds of whatever teenage girls usually talk about, when suddenly one of them said something that made my ears perk up. “We should order pizza!” The suggestion was meant to be a joke, but I listened to them begin to discuss some details such as what kind of pizza they would […] Read more »

7 Awesome Ways to Accelerate Your Savings and Build Wealth

Seven Awesome Ways to Accelerate Savings and Build Wealth

Most Americans are saving very little money, if any at all.  I know my savings have been harder to come by in recent years. Over the last few years my income was cut almost in half due to several factors.  On top of that, we were also paying cash for my wife’s bachelor’s and master’s degrees. Things got pretty tight there for a while. Saving money was not an easy thing to do, but we did manage to save a little periodically even though we were under the gun financially. Now my income is now returning to a much more […] Read more »

Debt Is A Temporary Condition – How Long It Lasts is Up To You!


Today’s post is my contribution to the #DebtIsNotForever movement started by Jackie Beck over at The Debt Myth. You can participate as well by taking a picture of your “Why” you want to get out of debt, or why you’re working to get out of debt right now and posting it to her Facebook page. Check out this link for more details – Jackie is also hosting a giveaway for all that participate in the movement, and publicly take a stand against debt. Will you stand with us? Pain is temporary. It may last for a minute, or an hour, […] Read more »

Small Victories- Getting Out of Debt One Small Step At a Time

small victories get out of debt one step at a time

Getting out of debt can seem like a daunting task.  When you finally decide to take the step of getting yourself out of debt, it’s easy to be intimidated by the huge goal you’ve presented for yourself. And when you realize what you’re up against, you’re ready to give up on getting out of debt before you even get started. So how do you overcome that overwhelming feeling when you want to achieve your goal, but you’re so intimidated by all the work you know it will take to get it done? You have to chill out, take a step […] Read more »

Bad Debt Collectors and What You Can Do About Them

bad debt collectors collections

Dealing with bad debt is no fun. Dealing with a bad debt collector can be downright terrifying. When you have a bad debt that has gone to a collection agency it can be very easy to want to avoid the pain of the situation or even totally ignore it when you know you can’t possibly pay it.  That’s why some collectors of overdue debt will do everything they can to get your attention, even if it’s illegal. Most debt collection agencies are legit and strictly follow the rules set forth by the FTC  (Federal Trade Commission). However, there are plenty […] Read more »