Watch College Conspiracy (The Documentary Colleges Don’t Want You to See)

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college tuition

I've always thought college tuition was out of control so when I sat down to watch this documentary I didn't think I would be surprised by the statements made but I was wrong. Being that a college education is considered "good debt" I thought it would be a good idea to share this video with all of you. It's only an hour long but very eye-opening if you have bought into the lie that it's a good idea to go into debt for a college education. Who's responsible for most of the problems with education inflation? Read more »

How to Deal With Taking a Pay Cut

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job loss

In the last few years our economy has taken quite a hit.  This has resulted in pay cuts and layoffs around the country.  Perhaps you have been affected by this and are now struggling to live off of lower pay.  If readjusting to a less luxurious lifestyle is proving to be a challenge, there are a few simple things you can do to ease the strain. Try to offset your primary expenses by cutting back elsewhere.  This means that if you are still committed to a lease or are paying off loans and are unable to reduce the monthly costs [...] Read more »

These Are the Times!

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tpaine

“These are the times that try men’s souls!” These often remembered words of Thomas Paine were written in “The Crisis” a series of articles published during the American Revolutionary War. On December 23, 1776, when Paine wrote these words he described in detail the time of the revolution. He began the closing to this article with the following quote: “I thank God, that I fear not. I see no real cause for fear. I know our situation well, and can see the way out of it.” Despite the drastic and incomprehensible moves of the market, with all indices falling substantially [...] Read more »

A Lost Decade, Really?

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gold

We’ve heard so much about the “lost decade” we may feel investing for the long-term is foolish. Numerous articles suggest the tried and true method of asset allocation is dead. “Buy Gold!” “Buy gold, guns, and two years worth of food” “Time the market” “Buy bonds, sell stocks!” But, did investors really lose a decade? Most people, particularly those working off debt, invest mainly in their 401k or other retirement plan. Few limit their investments to the Dow Jones Industrial Average (30 stocks), or the S&P 500, both representing large US based companies. The fund choices within a retirement plan [...] Read more »

Brad & J’s 2010 Christmas Stimulus WINNERS!

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Christmas Presents

Photo Credit: www.metaphoricalplatypus.com Merry Christmas everyone!!4 Days Left! I am so very happy to announce the winners of Brad & J’s 2010 Christmas Stimulus!! First, I’d like to thank each and every one of you for giving me a reason to continue blogging. It’s because of you that I have been able to do this for almost 3 years now! I NEVER imagined that I would ever have a blog, let alone end up with nearly 1000 subscribers! You ROCK! I LOVE YOU ALL! In 2010, I added 600 subscribers, and in 2011 I fully intend on stepping up my [...] Read more »

Brad & J’s 2010 Christmas Stimulus

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christmas-stimulus-2010

Oh man!! Today didn’t come fast enough for me. I was a little antsy to say the least but the day has come. FINALLY! Last year, J Money and I decided to bring Enemy of Debt and Budgets Are Sexy together for something truly awesome! The economy was broken, unemployment was high, and we wanted to help. Brad & J’s 1st Annual Christmas Stimulus 2009 was born! Last year was awesome! We gave away $150 each and had a great time doing it! Two blogs, two giveaways, two winners, $300! We are extremely happy to announce the second coming. The [...] Read more »

Brad And J’s 1st Annual Christmas Stimulus 2009

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Are you ready to hear my super secret surprise? You should be because I am so excited to tell you about it! It all started with a post I wrote titled, “Help Your Neighbor Christmas Stimulus“. My idea at the time was to take a portion of your Christmas budget and use it to help someone close to you feel a little less stressed this holiday season. Originally, our Christmas budget was $250, and I pledged to take $150 of that, and use it to “help my neighbor”. Although I will admit we spent a little more than the $100 [...] Read more »

Aaaand…It’s GONE! (Video Post)

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I came across this video and thought you might like a good laugh! I know that for the people that actually were saving and investing their money, this must have been how they felt.  It made me start to wonder if their were some of you that stopped saving and investing when the market tanked…did you?  Why or why not? What’s the consensus? “Market timing is a not a good idea. Investing with a steady hand and for the long-term is a good idea.  However, standing out of the way of a train wreck is not market timing.” – The [...] Read more »