Showing by category: Motivation

The Hidden Flaw in Utility Budget Billing
Got another one last month, as I opened the highest Georgia Power bill ever. A little flyer fluttered out to remind me how much I could save and how I could avoid surprises by just signing up to their “Utility Budget Billing” plan. Here’s the hook (my power bill sins for the past year): Continue Reading
Ever Wonder Why You Seem to Fall Behind – No Matter How Much You Earn?
Back in July we received a notification from our gas supplier that our rates would increase by 13% effective August 1. Not the 2.something percent that the Bureau of Labor Statistics (BLS) keeps telling us prices are rising by based on the Consumer Price Index (CPI), but several times higher. The tr Continue Reading
An Under-Appreciated Skill: Leveraging Limited Resources
In a world that’s so hyper-focused on technical skills, “getting a good education”, and getting into “the right career”, it’s easy to overlook the critical importance of what we might refer to as “soft skills”. As shaky as things are in the economy and in the job market today, soft s Continue Reading
Living Beneath Your Means Is the Ultimate Financial Plan
A lot of ink and cyberspace is dedicated to finding ways that help you to achieve financial independence. They tell you of ways to cut your credit card interest rates – all the way down to zero – to earn more money on your investments, and how to earn more money in your career. Those are import Continue Reading
The Power of Saying NO
Have you ever noticed that truly successful people have little trouble saying “no”? They may do it politely, but they do it and do it often. And they’re on to something - it's the power of saying NO. “No” is a control word, a word that has real power. When we use it, we’re in control. Continue Reading
You Can Only Cut Costs So Much—Then You Need to  Make More Money
Frugality has become popular as a way to help cope with an economy where jobs, raises and promotions are harder to find and to hold on to than they have been in nearly a human lifetime. But there’s a fundamental problem with relying exclusively on frugality to deal with the high cost of living. Yo Continue Reading
Tame The Gadget-Greedy Monster In 5 Easy Steps
These days, gadgets are high up on people's wish lists. Thanks to gadgets, a good number of American consumers have racked up a lot of credit card debt. This is an alarming development, but fortunately, there are ways to resist the temptation to buy, buy, and buy more stuff. Here are our suggestions Continue Reading
Imagine Being Owned By No One…
Way back on July 30th 2009, Trent Hamm of The Simple Dollar ran a post John’s “Campground” - Some Thoughts on Investing with Added Personal Value. Rarely in my life have I been so intrigued at the life and philosophy of a person I don’t even know, but John is a virtual revolutionary against Continue Reading
The Connection Between Financial Freedom and Being Frugal
In past articles, I’ve made the case that earning more money is more important than being frugal. On balance, this is a position that I still hold to. However, there are significant ways that being frugal can complement the effort to earn more money. And bigger picture, there does seem to be a str Continue Reading
It can be quite a complex situation that you face when your relatives ask you about your financial situation. If your finances aren’t in the best of shape, you may be embarrassed to answer their questions. Financial discussions of any type can put us—or even the people we’re talking too—in a Continue Reading