In pursuit of financial independence and personal fulfillment

Category: General finance (Page 2 of 9)

The huge difference between being in debt and having debt

Who do you picture in your mind when you think of “people in debt”?

Is it someone struggling to pay the bills, not sure where next month’s housing payment is going to come from or how to put gas in the car because the credit card is topped off?

Do you think of people with lots of expensive clothes, pricey cars, and lavish furnishings throughout their picturesque home, knowing full well they’re leveraged up to their kids’ eyeballs when she’s riding on daddy’s shoulders?

Or maybe you think of a new college graduate just finding out what all those years of schooling are really going to cost over the next decade as they begin to make their way in the world.

But how often do you think of someone who has their financial house in order, plenty of money to cover expenses, and a good balance between enjoying life now and delaying gratification for the future? Because maybe you should. Continue reading

The ‘Waiting to Enact Our FIRE Plans’ Lego Christmas music video

After the incredible response to last year’s “12 Days of FI Christmas” Lego music video, I couldn’t pass up the chance to put out a new holiday ditty.

For 2018, a whole new cast of 20 (!!!!) Lego-fied personal finance bloggers takes to the screen in “Waiting to Enact Our FIRE Plans,” a send-up of “Walking in a Winter Wonderland.”

The talented My Sons Father created and photographed most of the Lego characters again this year, and Joel from FI180 wrote an amazing musical arrangement and sang those silky smooth vocals. I wrote the lyrics and storyline and put the video together. Continue reading

How to find the best credit card for you

There are hundreds of credit card options out there, and deciding which one to choose can be a tough task. There is no one best card. It’s all about picking the right credit card for your financial situation.

With that in mind, here’s a guide to what you should look for based on your goals, habits and finances. Continue reading

9 things I wish I’d done differently in my financial past

Many of us have made financial mistakes. I’m certainly no exception.

Mistakes are the currency of experience, and experience is the fertile ground in which better future decisions are based. So while I won’t say it’s all bad … I could have done these things better.

I wish I would have: Continue reading

The $1,000 day at the flea market

The soggy wad of bills in my pocket had grown from $80 to over $300 in just a few minutes. Eight strangers were huddled under umbrellas in and around our rented UHaul yelling at me to tell them prices and then negotiate a deal.

“How much?”
“$20”
“How about $15?”
“$17”
“No, $15”
“Yeah, sure.”

With every sale I lifted the flimsy plastic poncho, pulled the mountain of cash from my shorts pocket, and added to it or peeled off tens, fives and singles for change. There were always three people who wanted my attention and two others telling me I better watch the rest because they’ll all rob me blind if I turn around.

Welcome back to the flea market. Continue reading

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