Myth: I Don’t Make Enough To Do A Total Money Makeover

You Don’t Make Enough Money To Manage It? I hear this excuse all the time.  Yes, I said excuse, or you could call it a justification for not wanting to face managing your money.  Either way you look at it, it is still a myth.  Yes, it is true that you could do more faster if you made more money, but to say you can’t, simply because you think it is impossible to do so much with so little, is selling yourself short.  I would argue that it is even MORE important for you to be on a Total Money […] Read more »

A Sacrifice Is Not A Loss But A Gain

Returning Thoughts I am in my car a significant amount of time.  I have tons of time to think about so many things.  One of the questions I find myself asking is “What in the world do people say when they see my car?”.  My first response is usually laughter because I imagine what people might say who would never be caught dead in such a car.  To make it even more amusing I have a sticker on my bumper that says, “Act Your Wage”, beside another “Anti-Debt” sticker. To me this makes TOTAL sense, but the average person might […] Read more »


Happy New Year! Now it’s 2009, and the holiday season has come to an end.  First let me say that I hope all of you had a terrific Christmas and I hope that your New Year is full of resolutions that will make your life easier in 2009.  I myself have many resolutions, and so far I am off to a great start. It’s also time for people to start coming down from the holiday high and some are likely experiencing something many call buyers remorse.  Usually this happens the day after you make a big purchase.  I think Christmas […] Read more »

Bad Economy=Record Sales?

Bad Economy Should Equal More savings! Bad economy and record sales do not seem to go together, unless of course you are a credit card company.  As most of you know I deliver pizza for Papa John’s Pizza.  I have been there for just over 3 years and during this time my boss has been trying to reach a store record of one million dollars in sales for the year.  Even when the economy was booming he came close but never reached the goal. Here we are in what some refer to as the worst economic crisis since the early […] Read more »

Where Have I Been?

Hi everyone! You may have noticed that the activity on EOD has been very minimal.  This will change I promise.  I have been busy doing preliminary training for the half-marathon I plan to run in April.  Boy do I have some work to do.  Out of shape is the understatement of the year.  I am also not happy with my set up here and have had trouble learning how to change the things that bug me. On top of that I am trying as hard as I can to become super gazelle so we can knock out the rest of […] Read more »

Less Than $7,000 Till We Are Debt Free

Tomorrow is Thanksgiving Day! HAPPY THANKSGIVING! I am so thankful for everything the Lord has given me and my family.  I am thankful for His direction when times got hard.  I am thankful I was shown my purpose to help others become debt free and experience financial peace for themselves. I am very thankful for Dave Ramsey and what he does.  It is because of his plan that we only have less than $7,000 until we are debt free but the house. Thank you Mr. Ramsey, we’ll be calling you soon! I am so very thankful for the wife I […] Read more »

Dave Ramsey for President 2008

President Ramsey? No, Dave Ramsey isn’t running for President, but if he was, I would probably vote for him.  He has expressed his opinion and has made it clear he does not want the job.  Personally, I do not blame him, but boy would it be nice to have a Government with a ZERO-BASED BUDGET?  It would be nice to have someone who knows how to cut expenses and knows the difference between a want and a need.  Someone who knows all to well how it feels to hit rock bottom, and someone who knows how to bounce back by […] Read more »

Invest Your Dollars Wisely Without Fear

Are You A Nervous Wreck? No matter where you go it is impossible to avoid the dreadful banter regarding the economy. The television is loaded with reasons to be fearful of your life coming to an end, because of the falling market. It's no secret that one reason for this is due to the upcoming election. After all, both sides have only a little time left to convince you that they are the one that is going to make everything all better. (Just lay back, dry your thumb, and prepare to be coddled. Oh, and here is your free Government pacifier!) Read more »

Giving Advice: Is It A Good Or Bad Idea?

Not too long ago I posted a blog about debt consolidation and the dangers of it. I went on MyTMMO forums to try and get people to share their thoughts on my blog about debt consolidation. Since those forums were private I mentioned that someone close to me was considering using debt consolidation themselves. I got blasted from all angles with people telling me that I should keep my nose out of others business. I later posted a poll on those same forums asking people what they would do, to try and see if there were differing opinions. So far […] Read more »

Are You Waiting For Washington To Save The Day?

  As it stands now this is not a political blog, and I want to keep it that way.  However, with the upcoming election, coupled with recent events (bailout, mortgage crisis) and the state of our economy, I feel it is important to address this issue.  It seems that so many people are putting all of their faith into electing a President that they feel will fly down from the sky with his Presidential cape and leotards to save the day.  Why is that?  Do people really believe that Washington is going to come to the rescue? Do you really […] Read more »

Experiencing Technical Problems

I am having some problems with my theme again.  Instead of leave the site down, I wanted everyone to still have access to EOD content.  I apologize for the ‘ugliness’!  I will try and get things back to normal as soon as I can.  Please enjoy my archives. UPDATE:  EOD is fixed, all except for the nav bar.  I am working on it. Brad Chaffee Person Brad Chaffee Right click for SmartMenu shortcuts Read more »

Murphy’s Fall

  Murphy’s Fall? I wanted to take this opportunity to introduce you to something that you have or will possibly go through.  I have coined the term “Murphy’s Fall”.  Murphy’s Fall isn’t the fall of Murphy.  Instead it is something you yourself go through because of Murphy.  That’s right.  It’s what can happen when Murphy has moved in and just doesn’t want to leave.  It could be equivalent to what marathoners call “The Wall”, which is when a marathoner reaches the 20 mile mark and starts to rationalize giving up.  It’s when you start to tell yourself that you have […] Read more »