Welcome Friday!  My son is about to get his very first car repair bill.  I thought I heard a noise when he was backing out of the garage to leave for school yesterday, but when I opened the door, I didn’t see anything.  A short time later, I received a text message from my son stating he was a little closer to the side of the garage than he thought, and snapped the passenger side mirror off the car on the garage door frame as he backed out.  I don’t have any idea how much it will be to fix […] Read more »

As 2016 winds down, I would like to take a moment to thank you, the readers of Enemy Of Debt, for another fantastic year.  I encourage all of you to take a few moments to reflect upon how your finances have played out in the past year.  Think about what went right, and what could have used some improvement.  Enter 2017 with your eyes wide open regarding what you have to do to meet your financial goals! Fist pump for the new year! Posts That Make Me Fist Pump Costco Vs Everyone Else from See Debt Run My husband didn’t […] Read more »

There are only a few more days until Christmas, do you have your shopping done?  I have a few small things I’m picking up yet today, but otherwise I’m ready to go.  To put a cherry on top of the holiday season, it’s currently snowing outside, and we’re planning on doing some additional holiday baking this afternoon. Feels like Christmas, looks like Christmas…….FIST PUMP! Keep ’em up for my favorite posts of the week!  Posts That Make Me Fist Pump What I Want My Kids to Know About Money from Club Thrifty 6 Expenses That You Should Review in the […] Read more »

We’re anticipating the arrival of a snowstorm in Minnesota that will dump somewhere between 6-12 inches of snow on us between today and tomorrow.  In anticipation of not being able or wanting to leave the house for the next day or two, I went to the grocery store to pick up some essentials.  Well, that was my intention anyway.  I ended up full fledged grocery shopping.  I guess I should have had a list……. Fist pump for snow storms, and my favorite posts of the week! Posts That Make Me Fist Pump What Can I Pay Out of My HSA? […] Read more »

I’ve held off as long as I could, but I can’t prevent it from happening any longer. I’ve knocked out a HUGE chunk of my Christmas shopping by just sitting in front of the computer, typing and clicking, then waiting for the packages to arrive.  Unfortunately I’ve reached the point in the program where I need to go to physical brick and mortar stores to complete my shopping.  Wish me luck.  How much of your shopping have you done online this year?? Fist pump for online shopping, AND my favorite posts of the week! Posts That Make Me Fist Pump […] Read more »

Happening this weekend is the annual Pizel family Christmas season kick-off.  We’ll put up the tree, as well as decorations around the home, and then watch National Lampoon’s Christmas Vacation.  After these activities are complete, it is officially the Christmas season.  The entire family enjoys it, it’s time we spend together bonding and making memories, and it doesn’t cost us a cent! Get your fists up for fun, inexpensive family time AND my favorite posts of the week! Posts That Make Me Fist Pump Seven Reasons Being Frugal is Awesome from Club Thrifty 13 Costco Money Saving Hacks That Save […] Read more »

Happy Black Friday, EOD Nation! Once again I saved hundreds of dollars with my Black Friday shopping.  I saved hundreds because I didn’t go.  I slept in, and both my mind and my wallet are well rested.  I did pick up a paper, and will look through them this morning and if there’s anything of interest as part of an all day or weekend sale.   Did you go Black Friday shopping? Fist pump for a great night sleep, and for my favorite posts of the week! Posts That Make Me Fist Pump 5 Reasons I’m Skipping Black Friday This Year […] Read more »

My wife and I are hosting Thanksgiving at our home next week, so this weekend is all about prep work. A local grocery store is having it’s traditional “buy a ham get a free turkey” sale.  I’m all about taking advantage of that deal.  Additionally, I’m firing up my smoker and making a brisket.  Are you making a Thanksgiving meal this year?  How do you keep the cost down?   Posts That Make Me Fist Pump How To Talk To Your Spouse About Money from MoneyNing Are You Wasting Time To Save Money? from Boomer And Echo How Budgeting Changes […] Read more »

I’m really looking forward to this weekend, as I get to go to a rock concert with my son and his friends.  Well, to put it more accurately, I’m driving my son and his friends to the concert at which time they’ll work their way up to the front of the crowd while I find a comfortable spot to watch the concert where I ‘m not being crushed.  But we’ll be seeing some of my favorite bands, and it will be a cool memory that we can share together! Fists in the air for heavy metal concerts, AND my favorite […] Read more »

I procrastinated until Halloween day to buy the candy we would hand out that night.  While picking up a few bags of treats for the evening, I thought about buying a few extra to have on hand for the family.  Every member of the Pizel family enjoys a small package of gummy worms, or a snack sized Reese’s Peanut Butter Cup from time to time.  I resisted that urge.  I wasn’t  going to pay full price for it. The next morning, on my way to the gym at 4:45am, I stopped at Walmart.  The employees were busy tearing down the […] Read more »

This weekend is one of those anomalies that happen every couple of months.  I like to call it The Third Weekend Phenomenon.  Our budget cycle runs on bi-monthly basis as that’s how often I get paid from my job as a software engineer which makes up the majority of our income.    We typically split up our funds assuming two grocery shopping trips, and two weekends worth of discretionary spending.  But since the year has 52 weeks and not 48, every couple of months there’s a pay period that has three weekends.  Therefore, we need to split up our discretionary  and […] Read more »

It feels like the calm before the storm.  We’re past the spending spree that accompanies the beginning of the school year as well as some family functions behind us, we have absolutely nothing going on the next few weeks.  We have no out of town plans, and no large purchases that need to be made.  Knowing that the holidays will be here before we know it, it is a welcome calm.  I plan to enjoy it to the fullest. I think that deserves a fist pump, don’t you?  While you’re at it, check out my favorite posts of the week! […] Read more »

Last night was an exciting night at my house…..it was computer upgrade night!   I bought new parts to swap into the computer, but it barely cost me a cent.  I financed the upgrade through Amazon gift cards I got through my employer fitness program, credit card rewards, and a little cash I used from my change jar. Fist pump for (almost) free computer upgrades and my favorite posts of the week! Posts That Make Me Fist Pump We Saved $72,000 and Still Had Fun  from Money Peach Calling Shenanigans on Cord Cutters from Debt Discipline How to Quickly Build an […] Read more »