• Finances,  Frugality

    Why Bother Saving Money?

    A common question I receive from family and friends is “why bother to save money?” Their reasoning is that, if they can afford it, they should enjoy every penny they have to spend. There’s nothing wrong with this logic on the surface. We’ve been trained to believe that we no longer really need to save for retirement or for protection…

  • Finances,  Inspiration,  Investments,  Simplicity

    The Magic of Time

    I moved to this house in April 2011. In the fence row of the front yard was a little sapling beside my front gate. My friend Mr. A wanted to chop it down. I told him to leave it; it would grow into a fence post eventually. That sapling was so insignificant that I never even bothered to photograph it.…

  • Education

    The College Path

    Last year a friend of mine decided to attend college. He wants to increase his education so that he can get a better paying job. I’ve encouraged him in this endeavor by assisting him with technical difficulties when his computer messed up and by acting as a sounding board when he doubts his ability to continue. He stopped in at…

  • Inspiration,  Investments

    The Art of Staying Motivated

    The other night I came home after an exhausting shift at work. I plopped down in front of my computer to check my emails before engaging in my nightly habit of reading a bit before I went to bed. As I sat there I thought “what’s the point?” What was the point in reading more when I was so drained?…

  • Finances,  Investments

    A Goal of Freedom

    With all of the work I’ve put in to learn about investing and the stock market I’ve allowed one important piece to fall to the wayside. I need a concrete long-term goal to focus on in order to not only have a measuring stick of my progress but to inspire me during the dark hours. I woke up this morning…

  • Finances,  Frugality,  Investments

    Frugality is Essential for Success

    Everywhere you turn these days one can find ads touting this investment or that business as the way to “get rich quick.” Just buy this course or whatever and money will flow into your life like a raging river. Bull crap. There’s no such thing as “get rich quick.” It’s all a scam to part us with our hard-earned money. …

  • Investments

    Missing the Boat

    One of the first stocks I researched happened to be the company that originally owned the store I work in. Since they had sold my company off I decided not to buy, but since the owners of my franchise happened to also own another store that was involved in the company, I set up some news alerts just to keep…

  • Investments

    A Stock Market Ouchie

    While I was digging through the bargain bin at the Stock Market I stumbled across a company with a LOT of potential. This media company, while it has its fingers stuck in traditional media sources like television and radio stations, not only creates its own content but has been slowly transitioning to embrace the new way people receive media. I…

  • stop button
    Finances,  Frugality,  Organization

    Moratorium

    Everyone’s needs change over time. You may slow down or stop using an item, or you may start to use something else instead. It’s just a part of life. For instance, I was a big fan of pencil and paper. I not only write copious lists, I also composed my book/blog drafts and kept a journal in paper format. To…

  • Investments

    Why I Won’t Invest in Index Funds

    I’ve had a lot of recommendations concerning Index Funds as of late. It seems that many people believe that they are the way to go. I happen to disagree, especially with current market trends. An Index fund is a business that buys shares in some (weighted funds) or all of the companies listed on the stock market. As a result,…

  • Finances,  Investments

    The Challenge of Investing in the Stock Market

    One of the major challenges of entering the stock market on a shoestring is brokerage fees. These are fees that you have to pay any time you buy or sell a stock. While there are a number of discount brokerages out there, many of them require that you open an account with anywhere from $500, $1,000, or even more. When…

  • Finances,  Frugality

    How I Made an 82.82% Investment Return on $7.56

    One of the smartest decisions I have ever made was to take business classes in high school. I learned how businesses save a fortune simply by buying the items they use in larger quantities instead of as they use them. Unfortunately, this teaching runs counter to how many people manage their finances. They only have so much money until payday…

  • Finances,  Food,  Frugality

    Bargain Food

    One of the ways I stretch my dollars is by taking advantage of the fact that I work in a grocery store. Every single shift I look around for good deals and take advantage when I can. For instance, when my employer issued coupons for a free 24-pack of bottled water with a purchase a while back, I bought some…

  • Finances,  Frugality

    Evaluating my Decision to Stockpile

    I had a bit of a panic attack the other day while I was cleaning my house. As I was rearranging the stockpile of food and supplies I’ve acquired over the past few months I froze in shock over the sheer volume of what I had acquired. Oh, my goodness, I thought in dismay, have I become a mindless consumer?…

  • Finances,  Frugality

    Panic Attack

    Earlier this month after paying expenses I decided to get a jump on my new goal. Instead of absorbing my current round of royalties into my life I decided to transfer the amount into my brokerage account instead. While I had planned to start next month, I was anxious to begin. I sat down at the computer and logged into…

  • Investments

    A Lesson in Silver

    My silly little silver investment has paid off, not in dollars, but in knowledge. I’ve not only learned how to read price charts now but I’ve also realized that there is a big difference between investing in precious metals and the stock market. While silver, gold, and other precious metals might go up in price you never know exactly when that is…

  • Investments

    My Silver Has Arrived

    The fruits of my very first investment have arrived. The mailman delivered the package just a bit ago. My hands shook as I opened the box. I cried as I held that silver in my hands for the very first time. I’ve done it. I’ve made my very first step into the big leagues. Tears are streaming down my face…

  • Finances,  Frugality

    Getting Serious About Finances

    While many of the so-called experts are crying, I’ve discovered that my decision to enter the stock market could not have come at a better time. The US Government has decided that inflation is out of control so they’ve started to raise interest rates to “cool off” the economy. According to my research, every single time the Fed raises rates,…

  • Finances,  Investments

    Learning From the Past

    Back in the 1980’s my father, encouraged by friends and family, decided to get involved with the stock market. I’ll never forget my surprise when I discovered that he actually checked two books out of the library and started reading them. Dad never read books. But these he did. Then he snagged a subscription to the local Herald Leader. He poured over…

  • Finances

    What Can I Use to Become Rich?

    Okay, I’ve calmed down a bit since I wrote that last post. I’ve realized that I want to do this, despite my doubts and fears. The next step is to figure out what I have to work with right now. I’ll worry about how to apply that in the future. I bring home $600 a month from my public job.…