Debt Payoff Report – August 2017

August was pretty standard as far as debt payments go. I’ve settled into a routine where I pay $600 on my student loan at the beginning of the month, and $1,300 on my student line of credit in the middle of the month. My current goal is to continue with these payments until either my…

Save Money The Painless Way (No Budgets!)

I’m sure by now we’ve all read an infinite number of articles about saving money. The standard cut your cable bill and stop eating out so f*cking much is still great advice, but what if that doesn’t work? The math is simple, but that doesn’t help the majority of us if personal finance is largely about…

My FIRE Prowess Report Card

Are you on schedule to achieve your goals? A key component of motivation is tracking and evaluating your progress for consistent feedback on your behavior. We tend to get lost in our day to day, feeling like we’re not getting anywhere, so it is essential to look back over a few months or years to…

Track Your Way To $0 Spending

In January, riding the high of New Year’s Resolutions, I decided to tackle my meals out budget. Reviewing my 2016 numbers, I realized I had been spending an average of $290.12 per month on fast food and restaurants! Not. Good. To cut back, I knew I needed to trick myself into not spending money. I’m…

Don’t Hide Behind Your Children

It sounds ridiculous when I put it like that, doesn’t it? The truth is, I could have easily said Don’t Hide Behind Your … Income – Job – City – Relationship – Parents. Children are just the most common excuse I read for people not pursuing greatness, so I went with them (sorry, kids!). On…

Stop Eating Like A Millennial (Or A Boomer)

One of the biggest budget struggles that unites us all is food. We all need it, and most of us (including especially me) overspend on it. According to the USDA’s food expenditure data, millennials spend 44% of their food dollars or $2,921 on eating out in 2014 (a 10% increase from 2010). By the way, the…

YOYO! (You’re Only Young Once!)

If I had a dollar for every time someone said to enjoy myself while I was young, I would have had enough money to enjoy myself while I was young. When the clock ticks over to midnight on our 30th birthday, do we pass across a mystical threshold that leeches any future enjoyment from our…

No One Wants To Be Saved (And Why We Need To Stop Trying)

When you discover a revolutionary lifestyle like financial independence, you want to shout it from the rooftops. It’s somewhat like a religious awakening. You’ve seen the light, drunk the Kool-Aid, bought the t-shirt, and now you want to herd everyone else onto the Ark and away from the rising tide of normality. When it turns…

You Don’t Stumble Out Of Debt

Every day, I’m surrounded by people who have been conditioned to believe that debt is an acceptable and normal part of modern human existence. They can’t imagine a world, or their life, without debt. They expect to have a mortgage and a car payment for most of their working lives and then somehow be debt…