Have You Given Up On Your Financial Dreams?

Parents tell children they can do anything they put their mind to. We encourage them by stating they can be anything they want. The sky is the limit! We want our children to be successful, and tell them they are only limited by their imagination. I know I’ve certainly told my kids these exact same things. But let me ask you a question; When was the last time you told yourself these things? Do you believe it? We tell children they can accomplish anything they put their minds to, but as adults we don’t believe this for ourselves. Life tends […] Read more »

3 Things You NEED to Do To Be Successful

I love a good motivational speaker. I have some favorites that I listen to every day on my way to the gym, and have an entire bookmarks folder dedicated to motivational links. I seem to find them while I’m scrolling through my Facebook feed, or just browsing the internet. When I agreed to go to a technological conference for work, I didn’t think for an instant I would come across any motivational material. I was wrong. The subject matter of the conference was disruptive innovation. There was a guy from Intel, and a handful of entrepreneurs on hand as speakers. […] Read more »

Say NO To Your Fears

A friend mentioned over the weekend that she wanted to do more adventurous things with her husband. She didn’t want to wake up 20 years from now, and look back at all the things they talked about doing but never did. Our conversation made me think of a recent experience of my own. I crossed the finish line of Grandma’s Marathon in just over 4 hours and 23 minutes. After a volunteer put my finisher’s metal around my neck I took a few more steps, and my lower body completely cramped up. I could barely move my legs, any step […] Read more »

Want To Achieve A Big Goal? Better Know Your “Why!”

The street corner marked the end of my eight mile run, and upon reaching it I peeled off my tank top. It was soaking wet from being in the rain for just over an hour, and I rang it out as I walked the final block to my drive way. I opened my front door to see my wife looking at me with eyes wide open and a smile on her face. “I look out the window and see this beast walking up the driveway without a shirt on!” She went on to explain that it wasn’t just the fact […] 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 »

Tell The Joneses To Go To Hell, They’ll Respect You For It

It’s taken me over 41 years of walking this earth, but I’m finally getting a grip on the person I want to be. It’s been building for awhile, but my perspective was reinforced at a gathering with friends over the weekend. It was our monthly gourmet club get together, which is basically a modified potluck. The host picks the theme and prepares the main course, and the rest of the guests bring an appetizer, side dish, or dessert that matches the theme. It’s a great group of friends, and we always have a lot of fun. It’s also an event […] Read more »

The Effect Of Debt….We’ve Come A LONG Way

I know that my life is very different now that we’ve eliminated $109,000 in credit card debt. We have breathing room in our budget, we have the freedom to decide what we do with our money, and life is just over all less stressful. But every now and then, something happens that brings me back to the days when we were struggling and reminds me just how much better off we are without the weight of debt holding us down. My smoker is in need of some maintenance. The rope gasket I had installed on the cover of my smoker […] Read more »

Want Success? Make The Choice!

There is a redemptive power that making a choice has. Rather than feeling like you are an affect to all the things that are happening Make a choice. You just decide what it’s going to be, who you’re going to be, how you going to do it. Just decide. -Will Smith (actor) This quote was stuck in my head all week, and it inspired me to view the world through a different perspective. I walked to the vending machine with every intention of buying a soda to go with my lunch. When I arrived at the bank of vending machines, […] Read more »

Find Your Financial Forever Pace

The fact that the weather app on my phone said the outside temperature was in the mid thirties was reinforced by the water dripping from the roof of my house. The sun was shining, the snow was melting, and I was stretching out for my first long run outside in months. Nine miles to be exact. The first few miles are always the hardest. Even though I thoroughly stretch out before I start, it always seems to take a few miles before everything gets loosened up. During my run on Saturday it took about 4 miles, at which point something […] Read more »

Change Your Perspective, Change Your Life

I’m always the first one of our family to throw back the covers and climb out of bed on weekend mornings. My goal is always to get up, get to the gym, and get home before anyone else even thinks of getting up. One such Saturday morning I was composing a note to leave on the kitchen counter as I was preparing to head out to the gym. My wife likes to know what time I left so she knows approximately when to expect me back home. So, I ripped a piece of paper out of a notebook and wrote […] 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 »

Improvement Requires Change

I’m looking to achieve some big goals in 2015. It all really boils down to being the very best I can be in the important areas of my life. One of the biggest categories is fitness. I want to tune my diet, helping me to become a healthier and much trimmer athlete. At the end of each day, I spend a little time reflecting on what I consumed. If you’ve never done this, I highly recommend doing this at least once. Each time I do this, it’s very obvious why I’m not at my goal weight. The amount of complete […] Read more »

Defining Phenomenal

Waking up in the morning and realizing you’ve reached the day on the calendar when you get to add one to your age tends to make a person think about what they have and have not yet accomplished in their life. Yesterday was that day for me. Combine that with the end of the year when many people think about what they want to change, or do better in the new year and the result is some serious thinking going on within my brain as I drift off into unconsciousness for the night. If I was being honest, I’ve been pondering […] Read more »