I found a video that encompasses my philosophy on personal improvement. Check it out here
Author: Josh Bulloc
Self Reliance
In the process of growing up there is some pain related to learning. An example would be riding a bike. Part of learning how to ride a bike is learning how to avoid wrecks. After you had your first bicycle wreck I bet you made every effort to avoid another wreck. This is because you…
Dave Ramsey is an Amazing Man
Dave Ramsey is a national talk radio host and author.His teachings are basically get out of debt, build an emergency fund, and then become wealthy.Over the last few years it may have seemed stupid to pay down your house considering the increasing values; it virtually could be used as an ATM.To many, it seemed that…
Look on the Positive Side
We are all worried about the economic future, considering the doom and gloom the media is conveying. We need to regain our hope. Here are some different points of view to consider and some steps to take to get your hope back. First, many needs are being created with these changes in the economy. This…
Free Money
I wanted to share this piece of info because I am running into too many people that believe that the money from the government is free.This money is not, for someone to receive money from the government it is taken from somebody else.One of the sources is debt issued in the form of bonds which…
Something for Nothing
I have found that helping people to reach their dreams can be very frustrating. I spend a lot of time with these individuals and give them the information and encouragement that they need. I tell them I will talk to them in about 1 week and see where they have progressed on their plan. At…
What Do You Want?
This week has been a very busy week for me so I do not have much of a post for you. So for this week I would like to know what my readers want to know. This blog if for you so I need to know what you want so I can give it to…
Letter of Encouragement
Here is a letter I wrote to a friend that has chosen to not join my business because they do not have time. Dear ??? and ???, I was a little bummed out that you guys decided against joining the business. That is fine, as long as you decide to change your future in some…
Debt, er’ Life Snowball
I have been sharing many things I have learned throughout this blog.I write here to help you.So I can serve you better I need some of your input.Now it is time for you to speak your mind.I want to know about you.I would like to hear your thoughts, questions, and comments on the subject of…
Monthly Payments
We Americans are falling into a horrible trap.The trap is thinking of our finances in the short term.We think we can afford something as long as we can pay the monthly payment; house payment, car payment, furniture payment, boat payment, credit card payment, motorcycle payment, etc.We no not consider that the financing companies are stretching…
Badge of Honor
Every day when I go to work I run into someone that feels the need to point out the many hours they have been working.As a note these are salaried employees, they do not get overtime.They tell me they were here over the weekend and over 10 hours every day last week.They try to make…
Wanna Be Rich?
In the book, 7 Habits of Highly Effective People, there is a diagram that depicts the urgency and importance of all of the things we do. The categories are urgent and important, urgent and unimportant, non-urgent and important, and non-urgent and unimportant. By understanding this categorization we can appropriately prioritize our tasks. The main categories…
Evil Money
All too often I encounter people that think I am a bad person because I make more money than someone else.On a grander scale many people believe that large companies are evil.Finally, some people are seen as bad because they produce products based on Christian ideals and do not give them away for free.All of…
Don’t Get Too Comfortable
This is a continuation of the previous post; but here I am going to explain why it is important not to irrationally fear discomfort.Let’s say you are an employee at Chevrolet and you have been offered a buyout to leave your job.You see the huge amount of money that you will receive if you take…
Leaving Your Comfort Zone
When was the last time you made an improvement in your life? What happened that made you change? I bet you grew uncomfortable in your situation and you wanted to change it. If you want to lose weight there are a few things that may have provoked you. You could be worried about your health,…
Debt Philosophy
The other day, a friend and I stumbled upon the subject of our conflicting debt philosophies.As you have previously read, my wife and I want to eliminate all of our debts with our extra money, and then begin investing (debt snowball).My friend (we will call him Jose in this story) subscribes to the philosophy of…
Leveraging Your Abilities
Have you ever heard the statement “don’t trade hours for dollars”? Until recently I did not fully understand the implications of this statement. I was listing to The American Entrepreneur podcast and Ron (the host) fully explained it. When you trade hours for dollars the only way to make more money is to work more…
Career Choices
The other day I was having a discussion with a friend. This friend was upset that she had not taken another educational path in life. She said that she did the “smart” thing and got the “hard” degree. This got me to thinking about the definition of smart. In her description smart means getting an…
This is about you
I have been sharing many things I have learned throughout this blog.I write here to help you.So I can serve you better I need some of your input.Now it is time for you to speak your mind.I want to know about you.I would like to hear your thoughts, questions, and comments on the subject of…
Life or Death Situation
I recently had a discussion with a friend about her frustration with her budget. She said that there was nothing else that could be cut from the budget. I looked at the budget and found that there were things that could be removed. I said she could shut off the cable and internet; she said…