3 Things You Can Do With $1000 Instead of Buying a new iPhone

Apple announced the newest generation of their iPhone last week. The iPhone 8, 8 Plus and X (named for the 10th anniversary of the launch of the original iPhone) come with varying price tags, some reaching the $1000 mark. Working in the technology industry, I know that there are times when businesses are eagerly waiting for a new generation of system to hit the market because they are performance starved or need a specific new capability. I’ve never, ever heard of someone whose iPhone is critical for their daily life, and they are barely making it because they desperately need […] Read more »

What Is Amazon Prime, and Is It Worth The Cost?

I noticed a $99 purchase during my weekly review of my son’s checking account. Being a secondary on my son’s account allows me to periodically review his spending to ensure he’s being smart with his money. By the description of the purchase I knew that he had had paid for a yearly subscription to Amazon Prime. I didn’t know much about the service, so I did a little research to find out what he would get for his $99.   Here are the major services that come with an Amazon Prime Membership: Free Shipping Amazon Prime members enjoy free 2 […] Read more »

What You Need To Know About The Computer Chip In Your Debit/Credit Card

I was expecting a new debit card in the mail, as my current was one expiring soon. When I received it in the mail, I instantly noticed something different about it; a small computer chip was embedded on one side of the card. I knew what it was, but I was surprised that my small regional bank was using the technology. Before activating and using the card, I wanted to review what this chip was all about. What is EMV? EMV, or Europay, MasterCard, and Visa, integrates a tiny computer chip into your card to store information about your account […] Read more »

The Power Of Financial Freedom: Affording Opportunities

When you’re under the constant crushing weight of debt, you develop tunnel vision. All that matters is finding some way to get to the next paycheck. It’s basically simple survival mode. It’s difficult to fully understand just how debt can impact life until you find your way out from underneath it truly begin to live life again. I was reminded again this past week just how much debt can affect the trajectory of life. My son is into online gaming big time. Once a month he hosts a gaming party where 8-12 of his friends bring their computer to our […] Read more »

Make Your Valentine’s Day Gift Be About Value

Unless you haven’t looked at a calendar lately, you’re aware that Valentine’s Day is less than a week away. If you have a significant other you may already have a gift purchased or plans made to give a little extra attention to that special someone in your life. Some people choose to not celebrate Valentine’s Day, seeing it as just another commercial holiday pressuring people to buy stuff. That’s actually a fairly accurate description in my opinion, and that’s great if you and your loved one share that perspective. Others are looking for inexpensive ways to celebrate the day and […] Read more »

The Expectation of Spending Money

Every Sunday evening, my wife and I recap our weekend spending, and then do any budget adjustments required  due to higher than expected spending. After the conclusion of this activity recently, I broke the good news that we had stayed well within our allocated weekend funds. As soon as the words left my mouth, they felt wrong. I was confused as to why they felt wrong, after all isn’t that the goal? Isn’t the goal to live within our means by creating a budget, allocating a finite amount of funds for bills and other activities, and then spend less than […] Read more »

Grillin’ And Chillin’ Summer Series: Bratwurst Hot Tub

It’s officially summer, EOD Nation, and that means it’s time for BBQ.  Over the next couple of months I’ll be periodically be sharing some of my favorite summer recipes to help you be the king of the backyard BBQ in your neighborhood! It’s no secret I’m a huge fan of lighting up the grill or smoker and cooking up some delicious food using a live fire. BBQ, like many hobbies, is something a person can always learn new things. There is always a new recipe to try, or a new technique to learn. While I have no problem lighting a […] Read more »

Are Your Childhood Possessions Hidden Treasures?

My parents were in town for a visit recently and stayed overnight at my home. My dad and I watched a television show in which people brought objects they found at home, at a second hand store, or at a garage sale to find out if they were valuable or not. Experts would inspect the objects and estimate their value. Sometimes the objects were common and not worth much, but others were hidden gems worth a tidy sum of money. The show brought back a flood of childhood memories of various things that either I collected, or owned. My parents […] 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 »

Finding a Cell Phone Promotion By Accident Saved Us $250

If you want to chop down the price of your cell phone bill, there are about a dozen ways to do it.   If you want to cut the price of the monthly service you could go with a no contract provider, you could sign up for only talk and text, or you could even just pay for minutes. It all depends upon what you want out of your cell phone service.   Additionally, the cost of phones varies widely based upon brand name and capability. A person can pick up a basic phone from any mobile phone provider inexpensively or a […] Read more »

How to Get Ahead If You’re Living Paycheck to Paycheck (Part 2)

get ahead living paycheck to paycheck

In the first article in the series, I covered eight things that might cause you to end up trapped in a paycheck to paycheck life. In this second post, I’m going to show you a few things you can do to get your finances under control, stop spending more than you make, and end the paycheck to paycheck cycle for good. If you read the last article, at this point you’ve probably figured out some of the top reasons why you’re struggling financially. Once you understand those reasons, I explained that it was important to get your mindset right and […] Read more »

How to Get Ahead if You’re Living Paycheck to Paycheck

get ahead living paycheck to paycheck

Some recent studies showed that more than two thirds of people are living paycheck to paycheck at least some of the time. That’s pretty incredible! It seems to be getting harder and harder to keep your head above water financially, and there is no lack of reasons why that’s happening. Some of it is because our attitudes about money have changed over the years.  Some of it is also because of the changing economy, and some of it is probably due to the fact that the world is rapidly changing, and some are getting left behind because they refuse to […] Read more »

Sometimes it is better to be sorry!

Do you dream about the day when all your debt will be paid off and you’ll feel safe again? I did that! Four years ago, faced with a consumer debt of $160,000 I mourned my safety and feared the risks to my family this meant. Then I forgot to be safe and started living an exciting life. I changed the way we spend. I changed the way we manage our finances. I learned about money, finance and business. I stood at the bottom of a snowy hill asking to buy ski-passes (now, this is so outside my comfort zone). I […] Read more »

The Big Wins You Should Go After

The following is a guest post from Martin of Studenomics, where he’s totally focused on creating financial freedom by 30! I’ve been writing about personal finance for five years now. I’ve explored every topic from big wins to frugality to real estate. There are times where I discuss more advanced topics. Then sometimes I run into a friend and they want to hear about getting started. I know that most of you are past the stage of getting started so we won’t discuss the basics. Instead we will refresh on the big wins. The one thing that we’re all delusional […] Read more »