I’m a Cheap @#$… and Proud of It!!!

I'm a Cheap @#$... and Proud of It!!!

When I was a kid, I was a good saver.  Every penny I got was definitely a penny I saved.  I wasn’t necessarily cheap and still bought candy and toys, but I was just good at saving.  As I got to high school, the trend continued and I continued to be careful with my money, especially once I got my first job and learned the importance of hard work. Then things changed. That’s not to say that I didn’t have a reckless period.  You might be familiar with the Credit CARD Act of 2009.  It was legislation that helped protect consumers with some rules of fairness.  It was also designed to protect college-age kids with several provisions to help kids from getting

Think About Working for Yourself

Think About Working for Yourself

When I was coming back from vacation last week, our seating got a little screwed up.  Long story short, I ended up sitting next to a lady in her mid-fifties from Alberta, Canada instead of sitting by my wife and daughter.  We got to talking and had some really good conversation throughout the flight.  At one point, I mentioned something about my 9 to 5 job and she chuckled.  It turns out she’s a consultant and speaker on business efficiency.  And she talked about how valuable working for yourself can be. She’s made a really good life for herself and works when she wants to, loves what she does, and makes outstanding money.  I was so excited for her just hearing about this. Coincidentally, while I was

The Cost of Vacation

The Cost of Vacation

Just got back from a great vacation in Texas. My brother and his wife moved to Austin about a year ago so we went to visit them. They just built a really nice house with a pool, hot tub, cabana, outdoor kitchen, etc. – how can you pass up a visit with all this good stuff?!!  So we stayed at their “oasis” for a little over a week and had a great time. Unfortunately, I was so relaxed that I realized I had forgotten to think of what to write about this week. So I decided that I’ll give you a breakdown of what we spent on this trip to get your feedback on if we spent too much money or got away with

The Importance of Estate Planning

The Importance of Estate Planning

Raise your hand if you’re planning on living forever?  I know I am, but I have a bad feeling that my odds aren’t real good on this one.  If you have any loved ones such as a spouse or especially any children, this post is very important. First of all, let’s start this article by stating that I am by no means an attorney of any sort.  I’ll be discussing what my wife and I have personally put into place and what I know about the area of estate planning. However, this is not something that you should take lightly and you should contact an attorney that specializes in this area to determine what would be best for your interests. Most of you reading