I had quite the imagination and curiosity when I was younger. I can remember daydreaming about all types of things which shaped my world into limitless possibilities.
I loved movies and stories that made me think differently which challenged my curiosity to imagine a world beyond what I thought could ever be possible.
As a young boy, my imagination fueled a sense of optimism untethered to physical limits, practicality, or man-made rules. Anything was possible, and nothing could stand in the way. It was hard to understand why adults didn’t have the same sense of hopefulness.
Fast forward decades later, I sit here today thinking about where that boy with his boundless imagination and optimism have vanished to.Read more
So here’s how I put $3,380 back into my pocket this year and forever with minimal work.
Let’s talk about ‘bills’ for a second. I’m talking about those pesky periodic bills. Yes, everyone has them. Some bills are necessary and to some degree inevitable and an unavoidable part of life (i.e. utility, taxes, insurance, etc.). On the other hand, we all have those often unnecessary bills that siphon away our hard earned cash like clock-work, often paid automatically and forgotten.
In the past, I didn’t mind paying for certain creature-features that I perceived to bring me comfort: like cable, cell phone, internet, car, dining, memberships to this or that, you name it. I worked hard so I wanted to enjoy it. Comfort, however, comes at a price in the form of a monthly bill.
Shortly after the time I nearly inflated my lifestyle, I took a good hard look at my monthly spending. I reviewed every bill I paid to see where I can reduce or eliminate. I knew that if I want financial independence I had to shift my priorities. I had to reduce my level of consumption. It was simple math. Read more
The first desktop computer I bought myself was a Sony Vaio. It came in this really hideous color with a large CRT monitor and tower.
It ran Windows ’98. Like all store bought computers, it had its fair share of bloatware—which is pre-installed software you don’t ask for.
One software in particular that I took the time to figure out, though, made my financial life so much easier: Quicken–a personal finance and budgeting software.
That was years ago and I still use Quicken to track my finances to this very day. I use it to keep track of income, expenses, investments, payments, net-worth, and budgets. I also use it to reconcile my bank and credit card statements every month. Read more