Why I Write About Finance and How YOU Benefit

Why I write about finance

Investment banker I am not…   Nor do I call me a CFP (Certified Financial Planner), accountant, or loan officer. Do you know what I’m actually pretty good at, though?   Handling money well… And teaching others to do the same   My knowledge when it comes to finance is less Formal MBA, and more: live, learn, and fine-tune moving forward. And I knew from an early age that learning about money and how to handle it was one of my passions.   (Photo courtesy of MKulp Photography)   Meet the Neighborhood Lawn Care Co.   My first entrepreneurial story takes place around age 12/13 and I remember it like it was yesterday.   This was back in ‘98 or so, and that’s when color printed flyers in mailboxes actually got looked at. I used that fact to my advantage when I “created” The Neighborhood Lawn Care Co. and sent out […]

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Get a Debt Consolidation Loan, Even with Bad Credit

Are you Interested in a $200/Hour Side Hustle? Here's One

If you have a lot of debt or different types of debt, then a debt consolidation loan might sound like a good idea. However, if you have low credit, you may not have many options. The good news is, you can still get a debt consolidation loan, even with bad credit. In this article, you will learn about the ins and outs of a debt consolidation loan, the pros and cons of getting one, and what your alternatives are if you aren’t ready to get a debt consolidation loan. What is a Debt Consolidation Loan? A debt consolidation loan is a new loan that you take out to cover the balance of your other loans. A debt consolidation loan is a single, larger piece of debt, usually with better payoff terms than your original, smaller debts. When you receive a consolidation loan, your other loan balances are paid off. This […]

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Shout-out: Become your best boss ever


Hello all!    Our Saturday morning shout-outs highlight a post/article/book/other that I’ve come across lately that deserves exactly that: a ‘shout-out.’ The goal here is to hopefully introduce my readers to other authors or bloggers that have had an impact on me, my writing, and my life.   This week’s shout-out is: Become your best boss ever by Jillian at Montana Money Adventures Jillian is currently a self-employed blogger but it wasn’t always that way. She worked 20 years for a wide variety of bosses. Good, bad, and indifferent. But now she’s faced with a new challenge – one you might not expect from a self-employed individual… She’s working on developing her skills so that she can effectively manage her employee(s) – namely herself.   This is a pretty unique picture of the fact that reaching the end of the rainbow (retirement or self-employment) doesn’t come with an instruction manual or just […]

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Here are Amazing Facts about HVAC Systems

Here are Amazing Facts about HVAC Systems You may have probably heard about the HVAC system but cannot deduce how it manages to regulate the environmental temperature. HVAC is a result of improved technology and modernization. One of the main amazing facts about this unit is that there are many of its installers worldwide. Many people are adopting air conditioning systems, and they might dominate the household sector before the next decade. HVAC System Improves Home Value and Quality It is a great deal of work investing in home properties. You want to ensure every needed object is in its proper condition. One home item contributing significantly to its value is the air conditioning system. When the air conditioner performs its work effectively, a homeowner is assured of selling at a higher value. With this, you get a significant return on investment. The home buyers are sure to regulate their […]

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How to Set Up Legal Documents for New Baby


Good morning, Team! Today I have my guest post published on another blog (Mr. Jamie Griffin). I have included a snippet below, but feel free to click over to Jamie’s page to read the rest! It was a Wednesday. And if you know anything about Wednesdays, then you know we’re half-way there… Yet we still have roughly half of the work week remaining. But when it comes to toddlers, that’s the beautiful thing: they don’t care what day it is. Nor do they care the time. Toddlers possess this beautiful innocence that allows them to say what they want, when they want, to whoever they want. On the Wednesday in discussion, I was picking our daughter (the toddler) up from school (daycare). On my way to the building I engaged in the normal banter with the front desk staff, “How’s it going?” – “Lovely day out there” – “Looking forward […]

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Our unorthodox path to $X00,000 of debt – and what we’re doing about it


Yes – I call myself a personal finance blogger. AND… Yes – that mysterious crooked number with five zeros after it does represent a relatively recent picture of the debt we have amassed as a family.   (Photo by MKulp Photography)   This story is a bit different from the other personal finance bloggers you’ll read about. There’s no tale of a mansion we couldn’t afford that went under. Over-priced cars that cost us thousands. Lavish vacations paid for with tomorrow’s money (credit cards)… I guess I did lose about $15,000 during the market crash, but that doesn’t equate to nearly a million dollars in debt, right?? Correct. In fact, we’ve lived a relatively frugal lifestyle and we understand the process of coming up with new excuses every weekend as to why dinner out with friends wouldn’t be an option. We’ve argued with utility companies, shopped for the best rewards […]

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Client #1 eliminated all credit card debt – AGAIN – and finally feels free!

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  “Give a man a fish and feed him for a day. Teach that man to fish and feed him for life…” – Chinese Proverb   Well, Lana (my first financial counseling client) was given a proverbial fish a few years ago, and although the financial hunger of credit card debt had subsided temporarily, guess what…? It came back in a big way. And before Lana had realized, she was in over her head in unnecessary credit card debt that equated to about 20% of her annual salary. What was the interest rate on that debt, you ask? 21%. Yeah. Lana was in for a world of hurt unless some changes were made. NOW. Here’s how it went down:   (Photo by MKulp Photography)   It wasn’t a lack of interest or desire, rather just a lack of some concrete plan. Something to believe in that Lana could latch onto […]

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Is it Ever ‘OK’ to Lease a Car?

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(Photo courtesy of MKulp Photography)   “Alright, class. Hands up if you’ve ever leased a car…” As the instructor deliberately surveys the group, her eyes can’t help but land on the guy in the back row with his hand up.   He’s wearing a bro-tank with his hand about 3 inches above his head at just the precise level where he could either be admitting that he’s leased a car or that he’s going for a quick swipe of the forehead… It’s just too difficult to know for sure.   As the instructor studies further, she sees the text on his bro-tank…  It reads the title of some obscure personal finance blog she’s heard of. The instructor points… “You, there. You have leased a car???”   The embarrassed but proud gentleman raises his arm above the threshold and nods his head. “Two actually…”   “WHAT!?!?!?”     Although my nightmare […]

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Happy holidays! Regular posts to return in the New Year!


Team, It’s been a minute… I apologize for the extended absence over the last two months but no worries, I come back bearing good news. More about that in a minute. First, I hope this holiday season has been tremendous thus far, and that you are able to spend great quality time with family and good friends. We’ve been working hard on getting our business up and running (definitely more about that to come), traveling to see family, and preparing for the Christmas season we so enjoy. It has been a busy few months and my first post will detail a little more about why I haven’t published anything lately, but let’s just say starting a business while being a respectable husband, father, and full-time employee of a different business can be challenging if your priorities aren’t straight. I don’t want to get too far ahead of myself here so […]

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What should I do with my credit cards? (Mailbag)


Hello Team,   This week we have another ‘Mailbag’ edition. For those not familiar: the questions I receive that either can’t be answered in a short tweet, with a quick text or if the question may be helpful to more than just the (question) poser – I’ll share my answer as a post. I hope you find this one enjoyable and helpful.   Best,   -Mike     Good Afternoon,   Mike, first off, love the blog.  My question came after reading your recent article about credit cards and rewards. I wanted to know what you thought is a good or reasonable amount of credit cards to have? Also, what do you think about adding new cards and canceling other cards? Or just having cards that you don’t use a lot? I’ll give you an example I have had a (1)capital one credit card: for about 2 years. that I don’t use often […]

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