I’m Not Paying For Your Mistake, Even If You Are Only 13

I’m a night owl, commonly staying up several hours later than the rest of my family. I use this time to do various tasks that I never seem to find time for during the day. So it wasn’t out of the ordinary when I decided to take up a late night activity to resolve my checking account spreadsheet with my online banking portal. With my wife and daughter comfortably sleeping, and my son hiding out in his room playing Xbox, I sat down at my computer around 11:00pm and got to work. 11:05pm: I notice a debit from Microsoft for […] Read more »

I’m Hot Because I’m Bald

What comes to mind when you think of the stereotypical, sexy, attractive male? If the covers of magazines and romance novels are any indication, it’s a tall, tan guy with washboard abs, and of course a head of thick, long flowing hair. However, there are signs that this viewpoint is changing. Earlier this week, my friend and fellow blogger Suzanne Cramer wrote a post asserting that financially responsible men are attractive. Well, I’ve got some news, and it’ll knock the socks off of Suzanne and other women who share her viewpoint. Bald men are more attractive because they’re financially responsible. […] Read more »

Togetherness Is The Best Kind of Family Therapy.

It had been a really rough week for my family. A close friend of ours that lived in the neighborhood had passed away recently, and we had spent the entire week in crisis mode spending time with the family and other neighbors in support of each other. As most families, we have a daily routine. Dinner at 6:00, homework at 7:00, our favorite shows of the evening after that. That routine had been completely disrupted and my wife and I felt like our children had suffered from lack of attention from us. On my way home from work , I […] Read more »

Do You Trust Me?

“Unless Vonnie wants to go along to the mall with me…” our friend’s voice trailed off. Sure, I’ll go. I can look for a spring coat for Tori,” said my wife. A new spring coat for our daughter was in the budget, as previously discussed while planning our spending for that weekend. The coat was actually the final expenditure for the weekend as it drew to a close that Sunday afternoon. In a whirlwind of activity, I got ready to go to the gym, Vonnie and her friend put on shoes, grabbed their purses and headed out door with my […] Read more »

The $57 Jar Of Candy

Imagine a large glass jar filled to the top with your favorite kind of candy. How much would you pay for it? $10? $20? How about $57? This past weekend, Vonnie and I attended a benefit for her aunt who was recently diagnosed with cancer. There was a wonderful outpouring of support from the community through donations of items to sell in a silent auction. Vonnie, being her usual rock star self, visited business throughout our community and accumulated a dozen or so items to contribute to the auction. We also put together a basket of items we personally donated, […] Read more »

Being Debt Free is NOT the Goal

I recently registered for the Twin Cities marathon, which will be held in October of this year. It will be my third marathon, so I’ve been through the training before. However, as a refresher, I dusted off a marathon training book I had purchased several years ago and began reading. The first chapter is quite inspirational. It reflects upon the time and effort it takes to train for a marathon. By the time race day arrives, months of work have been put in, and hundreds of miles have been logged in preparation of the big event. The thing that stands […] Read more »

Money Problems Are All I Have

The caller ID showed an incoming call from the wife of a couple with which my wife and I are close friends. I answered the phone with a quickly forgotten  humorous remark as the voice on the other end was shaky, asking for a favor.  Our friend and her teenage daughter were having a huge argument and they needed a third party to step in and mediate the situation. Our friends are working through marital issues, and have recently separated as they attempt to work through them. Their teenage daughter has taken it especially hard, and is very angry.   The […] Read more »

Did You Get What You Wanted for Christmas?

  Photo Credit: Carolwrightgifts So, how was your Christmas? Mine was simply fabulous. In fact, it was the most enjoyable Christmas I’ve had in years, thanks for asking. What made this Christmas so different? Come with the spirit of Christmas past as we revisit the Pizel family holiday tour of 2011: First, we see a family of four sitting in their living room on Christmas morning. There aren’t as many presents under the tree as their had been in previous years, but the kids don’t seem to notice. Both children got several gifts that were at the top of their […] Read more »

My Journey Out of Debt Has Brought Me Closer To God

In November I had a series of posts published in the CareOne Community discussing positive things that have resulted from my journey out of debt. This post was meant to be the last in that series, but I held back writing it because quite honestly I wasn’t sure if I was comfortable revealing this previously undisclosed part of me to my online friends.  However, as the weeks have gone by, I have felt a growing desire to write this post. As is typical of many young children, I gave my parents a hard time about having to get up on […] Read more »

An Uncomfortable Conversation

With me sitting on the edge of our bathtub, and my wife brushing her teeth as she prepared for bed we began a very serious budget discussion. We were on day three of a week long visit from our Kentucky friends and were burning through our discretionary funds at an alarming rate. We needed to reign in our spending, and ensure we kept ourselves on budget, or we were going to run out of money fast. The next day the four of us were planning on going shopping for the supplies needed for Thanksgiving Dinner. As a group, we had […] Read more »

Santa Is a Waste Of Money

In a scene common to many American households during the holiday season, my kids sat at the kitchen table thumbing through a stack of Christmas toy magazines creating their Christmas wish lists. I smiled as I watched them, remembering doing the exact same thing when I was a kid.  I actually folded mine up, put it in an envelope and gave it to my parents to mail to Santa. Feeling their excitement as I walked towards the table, I overheard, “Oooh, I’ve never seen that before, that is SO cool! That’s definitely going on my list!” Suddenly having them go […] Read more »

Imagination is Free

I’m going to ask you to do something you may not have ever been asked to do before. Close your eyes, and think of a recent experience in your life that was extremely stressful. Go to your “nervous, anxious, so angry I want to punch a wall” place. What do you feel like doing?  What would deflate the negative energy you’re feeling? Going out to eat so you don’t have to add the stress of cooking to the pile? Going shopping and buying anything you darn well please so you regain the feeling of control? Having your significant other notice […] Read more »

Personal Finance For A Nine Year Old

A few weeks ago, one of my daughter’s friends got a new computer game, and the two have been playing it ever since. However, my daughter, Tori, cannot play it unless her friend brings it over to our house, or she goes down her her friend’s house. So, naturally she wants her own copy. She had recently spent all her saved allowance money, so she was starting from scratch saving up the $20 for the game. Last Friday afternoon, when she got home from school, she exploded through the front door, ran up to her room, and grabbed her piggy […] Read more »

Eliminating Debt is Like Fixing a Car – Persistence Pays Off!

I hate cars. Let me be more specific: I hate the fact that I know very little about cars. So little in fact that someone could completely make something up, I’d believe it was a real problem, and pay through the nose to fix it.  So, when the check engine light began to blink on and off in my car while it felt like it was about to stall, I knew that I was the one that was in for a ride. I wrote a previous post in the CareOne community about the problems we’ve been having with the car, […] Read more »