FINANCE YO SELF

Shareholder Or Stakeholder?

At the end of the day, the number one goal of personal finance is to Cover Your Ass (CYA). Think about it. Budgeting, saving, debt, investing, insurance – these topics don’t just involve money, they can dictate the amount of freedom you have in your life.… Read More

The F*ck It Budgeting System

Note:  This is different than the “F*ck Budget” from the book “The Life-Changing Magic of Not Giving a F*ck.”


As far as undesirable topics to talk about go, budgeting is probably in the top 10.  Most people HATE to budget.  Most people DON’T budget.  Budgets are

  • boring
  • unnecessary
  • time consuming
  • constraining
  • too real (as in, making a budget would make you face some harsh realities about your lifestyle)

How The F*ck It Budget Works

The F*ck It Budget (FIB) is deceptive.  … Read More

The Truth Is Out There…

Topics that involve both numbers and emotions have a wide spectrum of what we might call “truth”.

And personal finance is no exception.

In fact, finance might be the most mathematical emotional topic – when you consider how money makes us feel, what we sacrifice for it, and the dominant role it plays in nearly every decision we make.… Read More

A Case For Working Overtime

Last fall, changes were made to the FLSAs Overtime Rules, raising the incomes for those considered non-exempt salaried employees.  Basically, unless you make a certain amount, your employer must pay you an hourly wage AND overtime pay for anything over 40 hours a week.  As someone who routinely worked 50-60 hours a week on salary the last few years, the opportunity to now earn overtime has put a new spring in my step.… Read More

Hibernation

Physical hibernation is simple – your body stores food over the summer so that it can sustain itself through the winter when food supplies are sparse.

If you spend at least a year tracking your spending, you’ll find that you go through “financial hibernations” as well.  … Read More