A Gentle Scream!

  How can a scream be gentle? Debt CONsolidation is a CON.  It’s what normal people do and normal people are broke.  normal people do it because they are conned into believing that it will solve all their problems.  If saving interest on a few STUPID debts and giving it to the broke guy conning you, is your idea of fixing your problems, then consider being weird for a moment. Why pay someone to cut you? Paying someone to “work out your life” is not what you need.  All you are doing is moving your debt, that’s it.  There’s not […] Read more »

A Comment Response

BALANCE is important! I decided to write this blog because I received a comment yesterday about my lack of writing recently. The comment said “I miss the times when you used to write. not just paste up you tube video. :(” (ONE of those youtube videos I made myself!) I agree with the poster about what is better my opinion or video from another source, but I feel I must explain why it just isn’t possible for me to ALWAYS write as I did in the beginning of this blog. If I have learned anything from Dave Ramsey, Dan Miller, […] Read more »

Financial Peace University Comes To Charlottesville

It is now official! FPU is coming to Charlottesville, specifically to Trinity Presbyterian Church! The preview will be on July 20th at 6:00 p.m., and the classes will begin on August 3rd! During this time I will be using this blog to get the word out. Almost everything you see will have something to do with FPU. I have created my own video to start things off! ENJOY! UPDATE: We have obviously not reached our original goal of September of 2008.  That goal was set based on everything working out perfectly.  As you know that only happens in the movies.  […] Read more »

BEFORE you go into more debt, WATCH THESE VIDEOS!

Do You Have The New Car Itch? If so you need to watch these videos. They are promotional videos from Dave Ramsey’s Financial Peace University. How many more loan payments are you going to “NEED”? Wise up America!! THINK! Do better for yourselves and your families! Stop buying into the lie that you need to go into debt to have stuff. Stop being a SLAVE, and refuse the bondage that is offered to you everyday! SAY NO! Think about what you could do if you didn’t have all those payments! Here’s an exercise that could help you realize the answer […] Read more »

Exciting Ebay News! Big Payoff With Little Expense

Well to update everyone on our Ebay plans, we have not done much on the auction sites yet. The reason being is that I want to research as much as possible before we get started. I am still looking into the legitimacy of the sites I found as well as practicality. I will be sure to inform you of any updates as they become available. This machine cleans floors without you doing a thing! What’s New? Todays news is exciting because it just happened to fall in our lap. My wife was out one day doing her Goodwill rounds and […] Read more »

That’s Right Diane Sawyer, You Should Pay Your Credit Cards LAST!

I watched a video where Dave Ramsey and Clark Howard were being interviewed by Diane Sawyer. In the interview, Diane Sawyer looked bewildered that they would suggest to pay the credit cards last. Then I saw another video that pretty much illustrated why Americans are on the wrong track financially. In this interview, Mellody Hobson is telling us how to survive an economic crisis. Some of her advice may be OK, but her answer on how to prioritize your bills lead me to believe that she is a lunatic!! She says you should pay your credit cards first so you […] Read more »

Financial Peace University and Me

As some of you know I have been in the process of bringing Financial Peace University to my church.  I have met with and introduced the class basics with two groups and last week I received word that it is a go.  I didn’t really have any doubt about if it would be accepted but the time I had to wait has been working on my patience.  Not because I don’t understand the process, well maybe a little, but mostly because I am very excited about getting the show on the road. I have an unbelievable desire to share what […] Read more »

Taxes, Incentives, and Less Government

Hijacking Incentive Since 1913 I was reminded today of how much I hate taxes so I thought I would come here to cry about it. 🙂 My wife had to meet with Human Resources this morning for her new job and they informed her that the $2,000 bonus she is to receive will get hit by taxes to the tune of 38%. WHAT!!! Out of $2,000 we are only going to see $1240? (Counting to 10 to gain composure.) …8, 9, 10. (Deep Breath) You mean to tell me that the Government needs to misuse and blow $760 just because […] Read more »

Ebay Experiment: Taking Ebay To The Next Level

Well folks, I am ready to take Ebay to the next level. We have had very good success using the methods outlined in Selling On Ebay Is As Easy As 1-2-3, but it’s time to expand our efforts. The main reason for this is because my wife starts her new job as an R.N. at the end of the month. We have been very happy not having to use a day care provider up to this point and we intend to continue this. My wife is going to have a pretty erratic schedule in the beginning, so we are being […] Read more »

The Budget Puzzle

Is your puzzle missing a few pieces? Your budget is just like putting together a puzzle. Every piece is important because without all the pieces it will never be complete. If your budget is not a completed plan for how to spend your money, it is not a plan at all. There are many things that have to be considered for a budget to work. The death of a budget is when we feel the budget has failed and we give up. It’s true the budget did fail, but we need to understand that it only failed because we failed […] Read more »

Is It Really EASY Money?

Do people really think this is “EASY” money? Can you say OXYMORON? Good because money isn’t easy, and there is certainly nothing easy about paying more than 500% annually for a loan that will most likely amplify the problem instead of fix it. Have you ever considered getting a Payday loan? Every day many people find themselves in a position where they feel that a Payday loan is the only answer. I have been very lucky in this regard and have never followed through with one. I did consider one when I was younger but I caved at the end […] Read more »