Morning

   As I sit and hear the water bubbling in the percolator on the stove, I am considering how my financial problems have been eating away at my happiness. And as a slave to debt and payments in adult life, I’m constantly reminded of how little I’ve kept for myself while others have taken from me– all the while, I believed that it was a good thing, to pay later for something I felt I had to have post haste. The thing is that I have blamed others and really taken a look at the proverbial mirror, and I’ve seen what kind of dimwit I’ve always been. But in the same breath, those who are ignorant are not ill-intended towards that which they don’t know. Sadly, this is a reality for many millions of people. They’re not taught the ways of the dollar, and how spending less by buying none of the crap you really need is not entirely discouraged. Our whole lives have revolved around buying everything on credit, or in the form of a down payment, or some other means by which to purchase something over the course of time, since you didn’t have that money to begin with.
Thus, I’ve decided it is going to take great testicular fortitude to reverse the financial damages I’ve rendered to myself. I’ve not dug myself into SEVERE debt, luckily. I rent an apartment, and so I don’t owe for a mortgage. I do have car payments, nice smart phones (ironic) for my fiancee and myself, child support arrears (definitely blaming others for my own luck)– and here it is YEARS later, and I’m coming to the realization that I had not exercised the very common sense I told people was not very common. Spouting off quotes doth not a smart man make (to make use of random, non-verbatim, and highly altered quotes as a means to prove a point). As a newly-discovered personality trait, I’ve suctioned myself down a funnel, into a twisting spiral that is reality and karma only to discover that I, myself, have lived verily as a hypocrite. And ignorant one at that.
Denial knows no boundaries, intellectual or otherwise. As it turns out, I’m a great reader! I’m an okay writer! And I’m very much sobered by this slow-but-steady reality check. As a person who has not done much in the way of intelligence at all, I’m very much sobered by the fact that I have never taken the time to even learn much about budgeting, financial intelligence, or money in general. I have heard from countless people over my lifetime: “More money would be awesome.” “I could use more money.” “If I had a million dollars, I would be set!” The unfortunate thing about desiring more money is that it would be used as a means to highly fuel one of the greater problems that we as a society have already had to face for decades: we’ll waste it on crap if we have neither the proper financial literacy nor proper discipline. We’ll buy things on credit, buy the expensive house, the expensive car, the expensive this-or-that with high maintenance costs.
Look, I’m a custodian. I know a thing or two about cleaning, and basic maintenance is not exactly rocket science to me. I can fix a gasket in a faucet, soft reset phones, figure out the damn remote for the TV, and kick the dog if it doesn’t work— just like anyone else. I do all of these things in the run-down apartment which I live, and yet when it comes to controlling my spending habits, I’m like a kid in a candy store. “Gimme this and that and all of it! Shiny! The hardest part about learning this is that I actually have to look at myself, and I see a dunce cap on a donkey. Regret sucks!
So, I’ve made it a point to really start to try some of the savings and payment exercises as expressed by a man who goes by the name Dave Ramsey. This is a person who has written a few books, held many seminars, taught millions about controlling their money, and means by which to eliminate their debts. It seems as if he not only has good content, but he knows a thing or two about what has worked for him during his lifetime.
By this time next year, if I can change my spending habits and stick to it with great diligence, then I should be out of the debt hole. But, I understand fully that it will take a monumental degree of discipline, heartache, and tantrums by my inner gimme kid. The only thing I should be investing in at this point is my knowledge of money, but it starts with the first step. All great journeys begin with the first step.
Baby step number one is to save for an emergency fund. This is almost unheard of in my household, but I’m starting off by keeping accurate count of how much I have in my emergency fund, which I will store somewhere. I’m not sure WHERE just yet, but I will have it somewhere.
As I work through the book, I’ll be keeping a sort-of journey through my Instagram. I already have a single post regarding some related reading, with a total of five or six books that I’ve been working through over the last few weeks. They are:

How To Read A Book
The 9 Steps To Financial Freedom
Rich Dad Poor Dad
The 7 Habits Of Highly Effective People
The Total Money Makeover
Cash Flow Quadrant
Wealth 101: Wealth Is Much More Than Money

So, that’s a lot to absorb, but when I study something, sometimes I use a laser focus for extended periods of time. A lot of this is basically common sense, but it still doesn’t hurt to read a book on the subject as written by those who have actually done something to make money far in excess of what I’ve even achieved to date. If you have any awesome tips that I could use, please feel free to share with me in the comment section below!

It is morning time!

You know what that means, right? No? Well, I’ll tell you! I get to go to work! Not everyone gets to say they have a secure 9-5, and those of us who do have this option typically feel better off than the next person because their fast food job never treated them with retirement benefits, health benefits, vision care, and hourly wages of that type of magnitude! I mean, who doesn’t want to make more than $10 an hour? That extra bit of money in your hand by the next paycheck is always welcomed!

But, as you grow older, you begin to realize that things change. Your perspective begins to focus its shift away from buying extravagant items, such as an expensive pair of shoes to match your fashionable jeans which were made to look used, or another CD to add to your growing collection.. You begin instead to look forward to putting some away, what little is left after your child support is removed every paycheck. You put some here for retirement, some here for gas and electric bills, some here for diapers, most here for car payment, insurance, food, replacement socks and t-shirts, internet, phones. And then, you have to prepare for dinners, your personal breakfast foods (I like eggs, but once in a while it’s nice to just eat a bowl of oatmeal in the morning).

How is there ever enough time to enjoy life with all these requirements? Well, I’ve been thinking about this for a while. I know there is no way that my life is intended to work for someone else while begging for a higher wage. At the same time, I’m glad I’m not working in fast food or part time anymore because those types of jobs were not exactly within the realm of “desirable” when it came to what began to matter most in my household. I needed something bigger for myself, and for my fiancee and her daughter. (And my dog. He’s a family member too, even if he does poo indoors BAD DOG!)

I’ve been searching for solutions to my particular set of financial problems and this blog is helping just a little bit. It gets my mind off of life for the little bit of time I’m able to come to write or make updates. At this time, I must begin to prepare for work, but if anything changes for financial betterment, then I should let you know here. I know I need to start a website, but that’s a first-of-the-month thing (which approaches rapidly).

If you have something you would like to suggest, I’m an open book! Speaking of which, please check out my book here.

If you just want to say you enjoyed it, that’s cool too. I like feedback, and critique. See you all later!

Do You Like Money? Me Too!

You know, being a coin collector is one thing. Hoarding nickels and pre-1982 Lincoln cents is basically the kind of coin collector I am. And by “hoarding,” I mean, I live paycheck to paycheck, and storing nickels for future use is my version of an emergency fund. Being that I am new to the “making money online through affiliate marketing” area of the internet, this seems to be coming off as a slow start. And you must know that I’m REALLY trying to make money online to the best of my ability through Twitter and linking here.

But, there are some success stories out there regarding an extravagant network of new marketers working part time for a relatively short period of time generating enough money, working simply part time, to quit their full-time day jobs. I would like to eventually reach that point.

Some of these programs require an up-front purchase of the entire program, and their promises to earn you several hundred dollars sound SO CONVINCING, but because $30 or $40 is actually a cut out of our budget, that seems like a large expense to me. We could use that for food, and whatnot.

Besides, how nice would that actually be? They give you the entire training program, plus a team of helpers who are skilled enough in this marketing to help you reach a point where you begin to fly on your own wings until you’ve made a full contribution towards sustaining your financial freedom and become that success story. That sounds FREAKING AWESOME.

And the other thing is, I’m a little bit insecure in making such a leap, but I’m toward a point now where I’m nearly too broke to live now (tax people say I owe some $1,200 from last year. What?!).

You know that times are bad in today’s world when someone who works as a lower-level employee in their local government is still struggling to get by. So I’m either working too hard and sacrificing my health for too little pay by working for someone else, or I’m too lazy and tired after working an eight-hour manual labor day to keep lifting a finger to do more for myself. I have noticed that I have some energy on the weekends, during which I take care of some household chores. If I had a few tools I could use, and a budget-friendly means of starting up a more realistic side income, and learned how to generate online sales and other affiliate-related things, I would be more on top of the world than I already am.

But then again, there’s a phrase or two that goes towards people like myself: “Easy come, easy go,” and, “A fool and his money are soon parted.” I wonder if those quotes have withstood the test of time for a reason, heh.

Well, I do have to go because the background noise in my apartment has quadrupled and I can no longer concentrate on writing at this moment.