Half works for money to put money to work. Wat genius Half doesn’t like Half’s debt monkey. Half actually refused a debt monkey, still worked job and got stuff, and then was punished for it. See, part of the Credit Circus participation requirement is that if one initially refuses to perform in the Credit Circus, …
Read the full post →“the Tao of Half – See That Monkey on a Treadmill”
Fed the monkey a bit last month … considered for a good purpose, tho’. Call it a necessary annual expense. Half got happy; theKid had grins. So … Motivation #1/#2 were in good spaces. So … if feeding the monkey just a bit to get them there … under controlled, laboratory conditions … totally worth …
Read the full post →“The Gorilla of Foolishness – Current Ed.”
Made almost – but not quite – a grand selling part of the nonsense purchased for no memorable reason … lots of Euphoria at one point while growing my debt monkey. Now? Now, still at the Self-Pity stage, but actually doing something about it is a big switch. The biggest change has to be (1) …
The other day me/myself/I were discussing our debt monkey – that Gorilla of Foolishness swollen to $225K – and we all came to the unilateral decision that it is not real. Nope. Not a thing. Because if it were real then we would care. Instead, debt is just numbers on a screen or paper rectangles …
Read the full post →“Totally Mad, Full Crazy, & a Lil’ Bit Insane”
One of Half’s money wisdoms is that if must, and if option, then spread any debt charges across several cards, and avoid money = mass, as in accumulation, that turns into a tumor. Because that’s what big debt – a Gorilla of Foolishness – actually is — a terminal cancer on personal finances. Half’s approach …
Read the full post →“the Tao of Half – Debt Ed. 101, or Smear it like a Shmear”
The reality of limited resources … ahhh … ewww … Cash & debt, assets & liabilities, income & expenses … Really. Can I just live? Warren Buffett said [and paraphrasing here] that if you work for a living you’ll work until you die. That is not encouraging. But then again … it is. America …
The dirtiest of the quick … or the quickest of the dirtiest … nah, the dirtiest of the quick … HERE! a few circus tricks to tame that monkey, shrink that simian to tamarin size [grins stoopitly], and feed it lots of a lot less: Pay Down Before Piling On Now most normal brained people …
Shocking confession: I don’t have savings. {Matt. 25:3} But Half does, and keeps the family afloat with all that fiscal responsibility. Me? Heh. Just reaping the benefits of marrying a better person. Hypergamy of the spirit. Heh. Dr. Lynn Richardson, one of the intersphere’s financial gurus, discusses the concept “paycheck to paycheck,” and she explains that …
Read the full post →“Money = Mass, as in accumulation. Or tumor”
Rather than “debt repayment,” the goal here is “debt satisfaction” = making my creditors as happy as I can within the least amount of time. Truth be told: I would much, much rather repay everything I owe to everyone I owe, but (not to excuse but to EXPLAIN) the time-value of money being what it …
Back in 1969 a book called On Death and Dying presented this idea that people mourn loss in five stages or states of being (the Kübler-Ross model – thanks, Wiki!) that includes (1) denial, (2) anger, (3) bargaining / negotiation, (4) depression, and finally (5) acceptance. Basically, the idea is that humans experience feelings of loss – loved …
Read the full post →“And Now, Please Welcome to the Stage(s) …”
