Will This FINALLY be the Year?

Happy 2020, everyone!  (Or whenever you happen to be reading this.)  Before I continue, I’d like to mention that I believe more in quality than quantity.  That’s why, if you’re a subscriber, there are periods when I don’t write anything for sometimes months.  I’m not your typical blogger, trying to churn out something every few days that may eventually lack real substance and/or become an overlooked annoyance in your Inbox.  So, I hope that my approach has been helpful to you folks.  I write only when I feel like I have some really helpful things to share, not just to try to keep some sort of ‘wheel’ spinning.   Contact me or comment with your thoughts either way.  On that note, let’s get into things …

Do you have “enough?”

The new year is when people world-wide typically have had hopefully even a bit of time to reflect on the past year.  The typical result is one or more “New Year’s resolutions” for that year and even beyond.  However, most are just good intentions that quickly fizzle out unless one makes a very deliberate effort to make their resolutions a part of their regular routine of life in that new year.

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Your Money Will Go Where Your Time Goes

There are a good number of people, in the Western world in particular, who have a good amount of spare time on their hands.  Some might argue with this statement, citing the growing number of people working more hours to pay for all the things they think they need (but actually don’t) that they’re getting in more debt to acquire.

I’m not talking about the work-a-holic, where too much is never enough and who is living on the knife-edge of burnout, working well over the traditional 40-hour work week.  Instead, I’m referring to the person who has time to indulge in some form of entertainment for even a half-hour per day, sometimes several hours depending upon their situation.

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What’s Your Bigger Financial Motivation – Or Do You Even Have One?

All of us have at least one reason why we get up and go out (or work from home) to try to make a living.  For most of us, it’s survival:  paying for food, clothing, or shelter.  For a growing number of others, it also involves getting out of debt.  Unfortunately, for most of us, our financial motivation is not much beyond that, aside from buying stuff to fill our homes and/or going on trips, both largely in an attempt to escape the mundane.

So, what motivates you to make a living?  Are you trying to get ‘filthy rich’ someday, whatever amount that is and whatever that means?  Is it simply to pay for the basics and to have a bit left over to buy and/or do something nice from time to time?  Are you simply in survival mode – or, in survival mode plus a mountain of debt?  Are you the rarest type who is looking several years, even decades, beyond today and actively planning for then?

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If You’re not Managing Your Money, Who is?

Even if you don’t know about the sport of ice hockey, odds are that you’ve heard of the great Number 4, Bobby Orr, who played most of his career for for the Boston Bruins of the National Hockey League (NHL). You can watch this video to learn a bit about him. He is arguably the best player to have ever played the game – even better than Gordie Howe or Wayne Gretzky – because he was the most complete player, the best two-way player the game has ever seen and will probably ever see, a master Continue reading “If You’re not Managing Your Money, Who is?”

Learning Financial Discipline Through … a Smartphone?!

Before you jump to the conclusion that I’m about to announce or promote some amazing new app that will set your financial house forever in order with the greatest of ease, allow me to clarify.

First, although this post contains financial lessons that can apply to any person, is it mainly for parents who have kids that are starting to beg, plead, or otherwise annoy the heck out of them for their first smartphone.  I’ll be telling the story of how my wife and I have handled this issue.

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So, How’s Working Hard Been Working for You?

During my many years in the workforce, I’ve come across all types of people, from the hopelessly lazy to the most industrious and every type in between.  But one thing that most people have in common, regardless of their ambition level, is the tendency to have no real goals or plans in mind when it comes to what to do with the money they earn.

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