Welcome I have decided that the best way to explain what Living the Dream, the Hard Way actually is, would be to give you a ride-a-long. That is, you will come with me on a day to day account of the Finincial Moron lifestyle. A Day in the Life, so to speak. To catch you … Read more
With another Government shutdown looming over us in a few days, I thought that I would ask how you survived the last one. It was the longest running Government shutdown in the US history and effected over 800,000 workers for more than two paychecks. As one of those Government workers and someone who barely has … Read more
Budgets suck. There, I said it. I know that there are many people out on the interweb claiming that Budgets are the way to go. Hell, J. Money even claims that Budgets are sexy. Whatevs. What you need is a Spending Plan. In my opinion, budgets are like diets. Everybody knows they could use one. … Read more
Financial recovery might not be a short trip for everyone. You jump on that path toward financial wellness with all of the best intentions, and that’s awesome. However, sometimes when walking along a path, you make enough small turns that you tend to lose your direction. You’re not completely lost, but maybe just a bit … Read more
Want to learn how to save money on gifts this Christmas and not feel like a Scrooge? According to this year’s National Retail Federation holiday survey, the average American will spend close to $700 this season on Chrismas gifts, cards, decorations, and the like. This is one time when you want to be below average … Read more
In all of my time working on saving money, creating a budget, paying down bills, I have never stopped living my life nor have I ever stopped having fun. Those of us with a family have to take their lives into consideration when making big, life-changing decisions. Things like stopping the kids from doing activities, … Read more
You may recognize the title of this post as the slogan on my new logo. I just wanted to explain the meaning of “Living The Dream, The Hard Way” a little because, well, because…. We, as a family, live our life pretty well. My wife and I get to do the things that we like … Read more
I think I’m just going to start this off with, Debt Sucks. The position that it puts you in can be extremely overwhelming. It can cause depression and even anger, but there are plenty of methods to help you overcome it. So, take a deep breath and let’s look at some positive things to help … Read more
Many people think credit card consolidation is a negative thing and people should always avoid it. However, the actual story is different. Credit card consolidation can practically hurt or improve your credit score. But it’ll depend on how to consolidate credit card debt on your own and how you would manage your finances after that. http://www.consolidatecreditcard.org/ … Read more
When it comes to making positive changes in your life, there really is only three ways that it gets done. Those three ways are Motivation, Dedication, or Desperation. It doesn’t matter what kind of life you lead. It could be a good life where you cruise right through it without a care in the world, … Read more