The Debt Bonfire Method

Despite what many personal finance experts will tell you, there is no debt repayment method that fits every situation for every person. The ‘do whatever works best for you’ model isn’t going to sell any books though.. I’m not a personal finance expert, so I’m free to share my honest opinion of the two most…

The Map To Riches

Do you know where your money is going, from the time it comes into your life to the time it evaporates into thin air? (A short time, in my case!) I was inspired by Apathy Ends and Budget on a Stick to create a map of my money – where it goes, how it’s spent,…

The Math Smackdown

I may lose my personal finance membership card for this, but I think math needs to be smacked right off its lofty pedestal. I know the personal finance community is full of optimizers and math evangelists, but please bear with me. You can judge me in the comments later. Math is not the perfect, rational response…

A FIRE Playlist

When you’re in the weeds of a long term goal, like paying off six figures of student loan debt in 5 years or saving enough money to reach financial independence in 15, motivation is EVERYTHING. One of my key motivators is my FIRE (Financial Independence / Retire Early) playlist. There’s nothing like inspirational lyrics and…

Letters To My Future Self

On my debt free journey I’ve learned that motivation is everything. If we want to see progress we have to engineer our environment to bump ourselves along to success. Gamify, Automate & Habitify (GAH!) are my watchwords! Support is a major component of achievement, so surrounding yourself with people who encourage you is key. It’s…