Author Archives: admin

Get Paid for your Opinion!!

I’ve never been one for online scams, get rich quick schemes, Bernie Madoff pyramids or the late night, no money down, overnight stock market millionaire infomercials. In fact, I’m a firm subscriber of the “If it sounds to good to … Continue reading

Posted in Extra Income | 2 Comments

Free Credit Score and Lane Bryant!

While the country is righteously outraged as a result of  the recent controversy surrounding the now  infamous Lane Bryant lingerie commercial – a dynamic issue further dividing a nation already at odds over national healthcare, financial regulatory reform, a nuclear Iran and Ben … Continue reading

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Sex is Cheap!!

Let’s be honest … there are a number of ways in which sex can be cheap. Far be it from me to let this post delve into deviant dalliances … but suffice it to say that many of us may look … Continue reading

Posted in Frugal Living | Leave a comment

FICO Score – the 5 components

The FICO score .  Yes, that 3 digit number that reflects our credit worthiness and more importantly, the rates and terms that lenders will offer us on various loans (mortgages, car loans, etc).   But what goes into it?  How is our FICO score … Continue reading

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Personal Finance and …. Bling?

Is there a place for jewelry in the mind of the 30 year old former debt addict?  Do I dare delve into temporary debt and pull out the credit card for a pair of diamond earrings?  I’ve been doing so well with … Continue reading

Posted in Spending | 5 Comments

Tax on Sales Commission

Ouch! As a long time sales professional it’s always a mixed bag of emotions when it comes to commission payments on sales.  The best way I can describe it is that feeling you got as a kid on Christmas morning … Continue reading

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iPhone and iSave

I’ve always been that guy when it comes to cell phones.  And anybody reading this probably knows at least one guy like me –  the guy that always goes with the free phone when I’m signing up for my cell phone plan … Continue reading

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No Federal Income Tax?!

I read an article on MSNBC today with the headline: “Half of Americans pay No Federal Income Tax: Credit for low – and middle – income families exempt many” This is the image that immediately came to mind.   What do you … Continue reading

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What's Your Current non-Mortgage Debt?

[polldaddy poll=2478008]

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Closing Credit Card Accounts?

To close or not to close – that is the question I am currently pondering with regards to the stack of credit cards I’ve accumulated over the years.  I’ve got those cards I first signed up for in college, the … Continue reading

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Student Loan Debt – update

At the start of this blog – mere months ago – I had two student loan debts that I have been paying off one sad monthly payment at a time since early 2004.  For the sake of brevity – and … Continue reading

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Increase Your Income

Obviously those of us who have made the conscious decision to get out of debt and eliminate credit card payments, car notes, mortgage payments and any other debt, have inevitably had the thought process “How can I increase my income … Continue reading

Posted in Uncategorized | 1 Comment

Home Ownership A Bad Idea?

I know, not a headline you’re use to seeing.  We all – especially myself if you have read some of my other posts – have been told that homeownership is a great investment, a mortgage is “good debt”, and it’s much more … Continue reading

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Budget Success! More Money than Month

When is the last time you looked at your checkbook, an ATM receipt or online bank account and noticed that you had money left over at the end of the month?  Well let me tell you … it is quite a … Continue reading

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The Tax Man … check your W2's for accuracy!

I can’t believe it’s not yet February and I’m writing about Tax returns! Truth be told, I am typically one of those people who files hard copies of my taxes on that last Tuesday in April. But I suppose that’s … Continue reading

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Track your spending!!

I’ve never been one for spreadsheets, but then again I’ve never been one for monthly budgeting.  In fact, I’ve never been one for focusing too keenly on where my paycheck is going every month.  Sure, I’ve become quite an adept guesstimator of … Continue reading

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Let it Snow, Let it Snow, Let it Snow!!

Here’s a partial look at the list of debts that I’ll be applying Snowball payments to.  It seems that compiling a list of debts (using whatever format or method you find most useful) is a common practice among those of … Continue reading

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My Debt Snowball

I’ve recently read a few books by Dave Ramsey – The Total Money Makeover and Financial Peace – both good reads.  It’s strange experience reading Mr. Ramsey because he really doesn’t saying anything profound but what he does say is … Continue reading

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Michael – don't stop reading!

One response 15 01 2010 Michael (02:43:41) : edit I can stop reading your blog at this point. A $163k home on ~$40k base annual income? Sorry. You’re cooked. Whoever’s insuring this loan (the taxpayer) is cooked. Whatever broker/realtor/banker put … Continue reading

Posted in Uncategorized | 3 Comments

Measure twice, Cut once

Ok … so it’s time for the big reveal.  I’ve put together a list of all my debts (found a great excel spreadsheet that was free to download) and here are the grim statistics (wish I was more computer savvy … Continue reading

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