Why can’t dudes do Zumba too?

Why Can't Dudes do Zumba too?? #workout #fitness #dance #zumba

Sweat is pouring off my nose while I’m struggling to hold plank position, all while waiting for the next sequence of movements. My eyes are fixed on the wooden floor below my face to avoid any awkward moments. Here comes the next sequence. Quick downward dog, back to plank, then a hip rock to the right, rock left, back to center, and hold. Mary Sue is in front of me and I want to avoid creeper status at all costs, so I stare down at the floor and await audible instruction.   Booty man (I was going to link to this song but frankly, it doesn’t pass the PG test. You get the idea by the title. If you’re crazy curious – look it up) is playing in the background and the women seem to be loving it. Me? I can’t help but feel completely out of place. After all, I’m […]

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Alert!! Millions of People Are Behind on their Car Payments

Alert!! Millions of People Are Behind on their Car Payments #default #economy #vehicle #cars

    In this Current Events Friday’s Post (CE-Friday’s), I’ll be letting you know just how concerned you should be about the fact that many millions of our country mates are over 90-days behind on their auto payments.   CE-Friday’s – “What you need to know today in less than 500 words”     Alert!! 7 Million Americans are Raising Their Hands to say, “Can’t Make Car Payment!”     I was listening to Marketplace last week when I heard the news that the number of people not making their car payments is on the rise. And whether you choose to lease or buy your car, this is troubling for us as an economy.     First the facts (from this source):   Over 7 Million Americans were over 90 days behind on car payments in 2018 (New York Fed) That’s up about 16.5% compared with 2010 More people are […]

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Was it a Terrible Time for a Mortgage Refinance??

Was it a Terrible Time for a Mortgage Refinance?? #economics #mortgage #refinance #personfinance

  Well, slap me twice and call me ‘Mikey’, because I went and out-thought myself again – (just like when I lost 66% of our net worth). I got a little too cute, played a little fast and loose, and lost sight of the bigger picture. Or did I…? In December, 2018, I thought it was the perfect time for a mortgage refinance. Was I right, was I wrong, and is my wife still talking to me?   All this and more – below!     (Photo courtesy of Al Emmert)   First, the mortgage refinance “before” details so we can set up the “after picture” you’re all waiting for   In 2015, we purchased our home on a 7 year ARM (Adjustable Rate Mortgage) at a 4.15% interest rate. (Translation: We were locked into the 4.15% interest rate for 7 years, then our rate would have the ability to […]

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YES – You Can Consistently Workout for FREE

Yes you can consistently workout for free

Working with clients who are fighting hard to get out of debt has opened my eyes to something I’m a little ashamed of. For the ones that scrutinize every line item in the budget and negotiate most bills received, the ability to exercise at a well-equipped gym is a luxury and if you even think about mentioning that it’s possible to workout for free, alarm bells start ringing!     I’d ask the question, “Any gym membership to work in here?” and every time there’s a short terse response – “No.” That’s usually followed by a “Are you really serious with that question?” look. Then I’d follow with, “Have you considered trying to workout for free?” …Same look…   I won’t stop with other’s experiences. My wife and I agonized over whether or not we could afford a membership fee to the local YMCA. There was the exercise equipment, sure, […]

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To New Beginnings, Well-Wishes, and a Heart-Felt “Thank You”

To New Beginnings, Well-Wishes, and a Heart-Felt "Thank You"

Keeping on brand with my “Year of Change,” and after receiving a shocking 2-weeks notice from one of our 5 employees, I will be officially ‘retiring’ from my cushy state job as a forensic scientist today – March 8, 2019 – after 7.5 years on the job. And although my wife, coworkers, and (former) boss all have an issue with me using the word ‘retirement’ 😉 – the facts are that I’ll no longer be working where I’ve worked for over 7 years. I’ll not be collecting that ‘very nice’ paycheck with it’s ‘very nice’ benefits. And frankly – I’m both terrified and overjoyed…   This is the farewell email I sent to my coworkers earlier, and as you can tell – this place left a huge mark on my life.   (Photo courtesy of Justin Montemarano)   …To New Beginnings, Well-Wishes, and a Heart-Felt “Thank You”     I’ll be […]

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Why I Write About Business and How YOU Benefit

Becoming a business owner was one of the most exciting and terrifying moments of my life. Here are the 5 resources that helped me most along the journey #business #personaldevelopment #goals

  Three years ago, my wife and I willingly jumped into the entrepreneurial deep end. And at that moment, effectively put our family under a near 7-figure sum of debt that we won’t shake loose from for a decade. Were we scared at times…? No – we were terrified, stressed, and on-edge for nearly 2 years. But looking back from the other side, I wouldn’t change those nerve-wracking years for anything. They’re what allowed us to pursue and fulfill our professional dream of becoming business owners.   Since we took that leap, our family and our business have been on a rollercoaster ride complete with tremendous highs and some… teachable moments. We earned 140 5-star reviews in our first year of business Grew by 8.7% in our first fiscal year Got blindsided with a 2-weeks notice from one of our most trusted employees Almost went bankrupt (and one of our proudest accomplishments) helped […]

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MikedUp Blog Turns 3 Years Old – And Exciting Updates!

    If you would’ve asked me when I started this blog if I expected to still be writing posts in 3 years, I honestly don’t know what I would’ve expected…   I’m equal parts confident and pragmatic, and the truth is – I probably would’ve wrestled with that question a bit.   I mean, 3 years is a long time   Three years ago we had a 1-year-old daughter, I was still into running half-marathons, my wife and I were both working for other people, she was fresh out of dental school, and we hadn’t realistically considered the prospect of owning our own business.   But here we are – 2 kids, strength training with cardio infusions, new jobs, school a distant glimmer in the rearview, and working together on our family business…   …And I’m still writing… and loving every minute!!     First off – Thank You!  […]

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Introducing a New Series on MikedUp Blog!!

    (Photo courtesy of Al Emmert)   Well, we had a great thing going there… For 41 Friday’s in a row, we shared with you 2 of the greatest and 2 of the worst moments from a generous writer’s life to this point in MikedUp Blog’s Wins and Losses Series.   There were debt payoffs, ejections from your kid’s little league games, diagnoses, hot takes, suicide attempts, and everything in between…   I started the Wins and Losses Series for 1 reason alone – to learn from other’s experiences so that we could all improve together. And reflecting from the other side of this series, I’d say we accomplished that mission.   But I feel the time has come to close the chapter on the series.   It’s been a great run, but honestly – I’ve got something shiny, new, and (hopefully you agree) exciting to take its place!! […]

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4 Financial Mistakes That Actually Improved our Lives

4 Financial Mistakes That Actually Improved our Lives #personalfinance #family #saving #emergencyfund #home

  Today, I’m thrilled to welcome Jon back onto the site! We first heard from him a couple years ago when he discussed how he and his wife paid off $89,000 of student loans in just over a year, and while he’s written a few articles since… it’s been a minute. That’s why I’m stoked he’s here today to talk about some of the financial mistakes he’s made and how they may have actually benefited his family!   It’s not all $89,000 student loan payoffs, friends – we’ve all made some mistakes from time to time. But as you’ll see – it’s less about the mistakes themselves, and more about how you respond.       (Photo courtesy of MissFunctional Money)   Take it away, Jon!     4 Financial Mistakes That Actually Improved our Lives     If you’re anything like me, it can be easy to obsess about […]

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We Made the Sweet 16 in This Year’s Rockstar Rumble! (Can you Help One More Time??)

  Team!!!! (Beware: many exclamation points below)   We’ve made it into the Sweet 16 of this year’s Rockstar Rumble (which started with a whopping 128 bloggers)!!!   That’s 128 different bloggers from all over the globe who each cover their own niche within the online personal finance community.   Honestly, I was just happy to be invited this year (my first time), but to have made the sweet 16 is beyond a great blogging treat for me! And I really can’t believe it…   First off – thank you so much to all who have taken the time to read my post and the posts I’ve been up against. And also, thank you so much to all who have voted!!   Secondly – I’m asking for another big favor   Can you please take the 30 seconds to: Head over to the Rockstar Rumble – By Using This Link Scroll […]

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