Making It Transparent
I’ve taken the first step to complete transparency in my finances in order to remain accountable to stick to my plan.  As I still feel like I’m entrenched in an income crisis, which is common for 100% commissioned sales people, I am generating sporadic income and am moving forward to some degree.  However, there is a log jam preventing me from moving forward more quickly. On the right hand side of the site, you should see my current debt situation.  I have 4 major debts, one of which is unsecured.  The first is the house.  I owe $102,590.52 on my first mortgage.  That’s down from the original purchase price of $115,000 six years ago.  In the interim

Cooler Weather, Lux
It’s early for cool weather in my opinion.  I suppose it’s not a matter of opinion, if I were to actually take the time to look at an almanac. I’m sitting here in Lux, waiting for my Wednesday night cGroup, music blaring in my ears, tired from the inactivity of the day, waiting, waiting,

At Least One Reason to Close Your Credit Card Account
The most unexpected event occurred this past year in the midst of the “financial meltdown” as they continually call it.  After 10 years living under the illusion that I had a firm grip on my credit card behaviors and that I was “laughing all the way to the bank” with my rewards, my credit card companies kicked me to the curb and caused a virtual yard sale with my finances. When we crash our motorcycles, dune buggies, and quads, the resulting aftermath, spread across a few hundred feet of sandy dunes, is referred to as a yard sale.  Beer over there, cooler over there, helmet and goggles, jersey, whip, front wheel, etc.  You get the picture. C

The Basics of Dave’s Baby Steps: Step 0, Get Current
Dave Ramsey’s total money makeover involves 7 steps that he calls “baby steps.”  There are actually 8 steps, as the first one which is usually assumed in a normal economy, is making sur

Clearly We Lack Transparency
Pride.  Is there a better word to describe what it represents?  Probably not.  Is the word too big?  Does it encompass too much to possibly dissect, rendering the word monumental in meaning and far too overwhelming to understand? I don’t know. Last night I was sitting amongst friends, one with a KJV, one with NASB, and some NIV’ers.  Eloquent and regal are the two words I thought of as I heard