Hi, my name is Daniel, and I… lost track of my finances.
I write (what is for the most part) a personal finance blog, so you’d think that I would track every penney, but I don’t. We budget to pay ourselves first (savings/retirement), pay all of our bills, and then everything else is give and take. One month we might [...]
In 8 short days I will make the biggest purchase I am ever likely to make, I will be purchasing a new house. And the closer we come to closing, the harder it is for me to practice what I preach.
Everywhere I look small “upgrades” are popping up that I know I can find cheaper elsewhere, [...]
Our society has a perception complex. We are raised to judge and compare ourselves against others and our perceptions of other people become our own reality. We are trained from an early age in this regard. In school it didn’t matter if I got a “C” on a project as long as [...]
While I was at my parent’s house over Easter, I was looking through some of my old stuff when I found a stack of Merit Badge books from Scouts. Sitting perfectly on the top of the stack was the book for Personal Management, a merit badge designed to teach teens about managing time and money.
The [...]
I took an investments class the during the Fall semester of my Senior year in college, and when I say “took” I mean that I dutifully attended every class, sat in the front row, and tried with all my heart to understand what the hell he was talking about. It wasn’t that I didn’t understand the [...]
In college I thought I had learned everything. I learned finance in and out, I learned economics, marketing, advertising, managing, forecasting, social drinking, networking, and every other aspect of business that I could think of. I was a badass.
Nope. As soon as I started work, I ate my piece of humble pie.
Why is it that I spent [...]
I got my first credit card when I was 19. It was a Citi American AAdvantage card. As I got older I slowly accumulated more credit cards, and by the time I graduated college I had 5, all with Citi, all with rates between 15 and 20%.
Shortly after graduation, I financed our cross-country move, and [...]
