Arnold Schwarzenegger said this. He was never known for sugar coating things and I’m like Arnold, if you want rainbows and butterflies, I’ll send you to your mummy. What I want to focus on in this blog is a theme I see behind that quote. In life, people hear these quiet little voices going off…
DetailsI am a big car and motorcycle enthusiast, I always will be. Everybody has a blood type and mine is 94 octane. I’ve been asked many times over the years about my opinion on certain cars, and been called upon as an expert to help many friends evaluate a used vehicle. I “get” cars, you…
DetailsHomes, on average during good times, increase in value by the cost of living, so let’s say you might see your home value increase by 4-5% per year. So your money grows while putting a roof over your head, and the gains you make are not taxable. Sounds like an awesome investment right? Wrong, here’s…
DetailsA lot of people don’t realize when their expenses add up to more than their budget. Here’s some tips to help establish a savings account and cut back on unnecessary costs. Tip 1. Holding on to the records of your purchases and reviewing them at the end of the month can help you determine which…
DetailsMore than once in my lifetime I’ve been called cheap, mostly by woman, but I’m not, I’m frugal. There’s a big difference and I’ll explain why. Frugal people will buy a used car they really wanted 2-3 years ago because they let some other fool pay the depreciation for the first couple of years, cheap people…
DetailsThere are several companies who advertise that they can help you with your credit card debt, unfortunately some of them are a total scam and will take your money without doing any work. I’m talking about “debt management”. I’ve heard too many people tell us they have responded to an ad promising debt management help…
DetailsI have to say, I am a little reluctant to reveal this information. It should really be kept a secret but I love helping fans of Total Debt Freedom save money. Recently I discovered auctionsniper.com, I’m not a big eBayer but after a couple of bidding wars I got tired of paying top dollar for…
DetailsI don’t usually promote other companies in my blogs but this one is a huge money saver. If you like renting movies, you’re going to love the savings you get from Netflix. You will probably never need to rent a movie again. For $7.99/m you can watch as many movies or TV shows you want…
DetailsYou don’t need goals, you need better rituals. New Year’s resolutions are routinely set, and broken. It’s not because people weren’t disciplined enough or didn’t have goals, it’s because they didn’t create better rituals that align with those goals. Think about it, tons of people set the goal of getting healthy and fit every New…
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