Debt: Systematically Get The Monkey Off Your Back

Share Button

YEP, DEBT IS A FOUR LETTER WORD.

There’s nothing like eventually having an epiphany, waking up at 2 a.m. sweating, feeling like an elephant is sitting on your chest and wondering how the heck you’re going to make ends meet this month.

Wondering how you’re going to break the smothering cycle of living paycheck to paycheck while having periodic respites from reality by “treating yourself” to a few of life’s little luxuries—well, only because you deserve it and life’s too short, and…damn, what the hell, my balance is what??? Continue reading Debt: Systematically Get The Monkey Off Your Back

Share Button

What Will Your Retirement Income Look Like?

Share Button

Any discussion of retirement and retirement income level, early or otherwise, conjures up a few common questions:

What will it take as far as a realistic income level, and

What will I need to do to get there.

The obvious answer, though not particularly a helpful one, is that it is entirely up to you.

Thanks for the click bait, right?  It actually wouldn’t be the first time I spammed the crap out of something. But not today, no sir.

Actually, there is a way to determine this personally tailored number, and THEN you can start to develop your plan to get you there.

 

retirement income selfiewhat’s your retirement income gonna look like bro? (this isn’t me BTW…I have more of a chiseled physique, less facial hair, and an iPhone)

DETERMINING WHAT YOUR RETIREMENT INCOME NEEDS WILL BE

 

FIRST THINGS FIRST

Continue reading What Will Your Retirement Income Look Like?

Share Button

What’s Causing Your Spending Habit?

Share Button

What is causing your spending habits to move you from a position of excess to indebtedness?

How much of your life have you spent worrying about money?

Has it ever kept you awake?

Financial issues often leave you feeling guilt, shame, embarrassment, and can even leave you depressed at times.

Here in the U.S., we make more than ever, yet we have less savings, are less happy, and can “barely cover the necessities” despite relatively large income sources. Continue reading What’s Causing Your Spending Habit?

Share Button

Book Review, The Seven Habits

Share Button
Let’s start by addressing the elephant in the room:
Yes, I actually read books, and no, it doesn’t reflect in my writing ability.
With that said, here we go.

For my first book review, I had a real issue with what would be my lead off in the series. Continue reading Book Review, The Seven Habits

Share Button

Do You Have An UNFAIR ADVANTAGE?

Share Button

How crazy and tenacious are you in pursuit of your dream to rid yourself of consumer debt, build an emergency fund, accumulate savings, and start investing to secure your future?

It’s time to add a little refinement to Pad Adventure, make it more user friendly and pleasing to the eye–lest we lose a swath of the readership.

I need to post images of rich cups of coffee, luxurious textbooks, soft comfortable throw blankets and maybe a perfectly steeped cup of chai to avoid migration of the masses.

 

advantage

 

A candid photo of a child, a whippet hound (is there such a thing?) or a couple on a Sunday stroll on white sand beaches would make padadventure appeal to the masses.

 

advantage dogs

 

Would it be wrong to pull some wholesome family pictures off of the internet and show how I made a pair of shoes for my virtual kids from banana peels and corn husks?

Continue reading Do You Have An UNFAIR ADVANTAGE?

Share Button

REAL ESTATE INCOME EXPOSED!–THE STRIPPER AND THE PUKER (Ep. 7)

Share Button

“NO, this isn’t the forgotten prequel to the Hobbit, a fishing show, nor is it a previously unreleased song from The Steve Miller Band–it’s episode 7 Mofo’s.”

Things were starting to move hard and fast at POS duplex #1, and I was starting to feel like a resident, given the time I was putting in.

I started noticing all the little things I assumed might work against my cause.

Funny how that works when you actually spend a little time at a place.

Continue reading REAL ESTATE INCOME EXPOSED!–THE STRIPPER AND THE PUKER (Ep. 7)

Share Button

The Venerable Benefits of Peeing Outside: A Back to Basics Approach

Share Button

We have lost what it is to be truly human. We have become soft externally and internally.

Hearing someone commit to a diatribe of their concerns today would make our ancestors want to club us over the head with the latest version of the iPhone.

 

basic pissed off

It’s time for a back to basics approach.

 

I’ll submit that in today’s world, nothing says back to basics like whipping it out and laying waste to a nicely maintained patch of Kentucky blue grass or some well manicured Bermuda. Continue reading The Venerable Benefits of Peeing Outside: A Back to Basics Approach

Share Button

The Retirement Bubble: Why you SHOULD care.

Share Button

If the latest retirement figures for the average American are any indication, the recent stock and housing market “corrections” seem to be an ominous segue into the next financial catastrophe, the retirement bubble.

The most glaring aspects of this impending crisis are the lack of realistic, viable avenues to correct it, its inevitability—and even more frightening is the expected impact of it, on multiple levels, both financially and socially.

This is the proverbial Meteor speeding towards earth–it is the real reason a movie like Deep Impact should have been made. (It’s a movie about a meteor, well, hitting earth).

Let’s start with a story that highlights the personal aspect of this impending disaster, then we will get to the facts that are nearly as bad as the movie itself.

 

retirement deepimpact
Awards?  None.

Continue reading The Retirement Bubble: Why you SHOULD care.

Share Button

REAL ESTATE INCOME EXPOSED!–HONEY, COME MEET THE TENANTS! (Ep. 6)

Share Button

I had done all the necessary legwork, researched everything I could and was excited at the prospect of being a landlord—I felt pretty savvy actually—my girlfriend was not so confident in my abilities, and I think it’s for this very reason she tagged along.

I’m not afraid to admit that.

If I didn’t say it already, I’m dealing with POS houses right now, not warzones, but not someplace Vanilla Ice (even during his heyday) would hang out at either.

real estate ice
Not on your life, life baby!

Continue reading REAL ESTATE INCOME EXPOSED!–HONEY, COME MEET THE TENANTS! (Ep. 6)

Share Button

Thoreau-Ly Confused

Share Button

thoreau financial

“But men labor under a mistake.  The better part of the man is soon plowed into the soil for compost.  By a seeming fate, commonly called necessity, they are employed, as it says in an old book, laying up treasures which moth and rust will corrupt and thieves break through and steal.  It is a fool’s life, as they will find when they get to the end of it, if not before.”

Henry David Thoreau.  The original frugal backwoods badass.

Continue reading Thoreau-Ly Confused

Share Button

Real Estate Investor, FI'er, Blogger, Landlord, Frugal MoFo, Traveler and Adventurer.