Buying vs. Renting – What Should You Do?

I think a majority of people would say it is better to buy simply because of the “I own it”, way of thinking. I used to believe the same thing. I think people do not take into consideration all of the things that should change that “normal” way of thinking. Dave Ramsey believes that if you are in debt, have no savings and no plan you SHOULD NOT buy, and I am right there beside him in agreement. You need to consider insurance costs, property taxes, as well as being responsible for ALL repairs. All of which does not enter […] Read more »

Relationships That Count

You Do It! If there is one thing that comes through clearly in the “Relating With Money” lesson it is that we all need support and encouragement.  We need each other.  If you are married, you need your spouse in order for this money thing to work.  If you are single you need someone to hold you accountable.  So many people that I know use the “you do it” philosophy when it comes to money.  I have too. When Alana and I first got married, she was the one who controlled the finances.  That was until we had a few […] Read more »

Video Of The Week – Brian Tracy

As most of you know I am a big fan of Brian Tracy.  Here’s Brian Tracy talking about wealth, happiness, and balance.  If you don’t have balance then that means there is something that needs attention.  It is up to us to manage our lives like we manage our jobs.  A machine that needs all parts to function in order to work at it’s best is just like our lives.  Everything has to be properly maintained or something will fail.  Failing in one aspect of our lives can often lead to failing in the very thing we wanted to succeed […] Read more »

My Payments Ate My Savings!

America has no use for Piggy Banks anymore! America is in the RED! With a negative savings rate, America is in DESPERATE need of a Total Money Makeover. What will it take? When will people finally understand why saving money is too important to ignore? America needs new priorities, like yesterday! As one of the very many bloggers who blog about money and personal finance, it is my duty to help spread the word. How much do YOU have saved up? What in the world is keeping us from doing what we know we should? Is your savings account overflowing […] Read more »

Where It All Started For Me

**I just wanted to share with everyone my very first blog about becoming debt free! This is where it started. A passion to get out of debt, an intensity to do it now, and a desire to help spread these principles to anyone willing to listen! One night I was inspired to connect my love for Baseball as a child, to becoming debt free as an adult. For those who haven’t read this one, I hope you like it. Please comment.** Hitting A Home Run And Becoming Debt Free Are The Same! 7 out of 10 people live paycheck to […] Read more »

Bankruptcy – The Morning After Pill of Personal Finance

Is Bankruptcy The Answer? I was on the Financial Peace University Forums today and happened to notice the word bankruptcy being thrown around as an option. This isn’t a rant as much as it is an argument as to why you should avoid bankruptcy completely. I realize that this is a very touchy subject for people so my intention is not to make a judgment, but instead to express an alternate view. I would like to remind everyone that I was very close to filing bankruptcy myself at one or more times in my life and am very glad that […] Read more »

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 »