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 …
Circus Tricks
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 …
Money = Mass, as in accumulation. Or tumor
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 …
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I!CAN’T!GET!NO—!
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 …
And Now, Please Welcome to the Stage(s) …
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 …
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Ring on Time
Awhile ago recently (yes) I had come to the spiritual resolution to address my debt. As part of that decision I contemplated next steps, and how to approach the creditors towards whom I had shown insufficient attention and respect … dined and dashed with my debt monkey, as it were. First thing – I couldn’t …
Same Dollar, Different Debt
Five-figure student loan right here. [Shrug.] At this point debt is like breathing – be more surprised if it all came to a sudden stop. Like many people, or some people, or a few people, or maybe just me (heh) I stopped and started more than once with the whole educational/career-direction/findwayfeedself experience. And – as …
FICO for What
The Fair Issac Corporation has helpfully offered to accumulate everyone’s personal spending data and then rate you on how you debt (i.e., “creditworthiness” … are you worthy? I thought not). Based on my in-depth research of FICO scores, and the analytical synergies of the dynamic interface, I discovered that this, too, is some nonsense. I …
Is That Me? AKA: Don’t Smell That
sometimes life can be such an interruption OK back to regular programming- Yes, the funk of the debt monkey is pungent, and my personal Gorilla of Foolishness definitely has a … tang. Still, I don’t really mind the smell and, at this stage, don’t even flinch. However … nevertheless … despite … due to … …
The Social Contract is a Hit
You’re dating yourself … but remember (no) back in the 90’s when Newt Gringrich (yes if you are young that is a name) and the Republicans crafted that “Contract with America,” and how almost immediately the joke (a primitive meeemmm) became “Contract on America,” and funnily enough, that’s just about what it turned out to …