2018 world series logo

I Knocked Off a Sports Bucket List Item and Went to the World Series Again

I was on a pretty good roll with putting posts up on this blog since starting this in May. Real life happens and the past 30 days has been hectic. It all started with business travel in October and then my favorite baseball team made the World Series in back to back years so I made a trip for the weekend. Probably a money moron moment, but I am a big Dodgers fan. I get…

actions i will not be cheap about

5 Actions I Will Not Be Cheap About

I genuinely believe that if you are just starting to plan for your future whether that is early retirement or financial independence or developing a plan to get out of debt, then you need to start budgeting. I spend a minimal amount of time a month budgeting and it has helped me to know where my money was going. I noticed a pattern of spending behaviors that became acceptable to me. Here are 5 actions…

things i will not be cheap about

7 Actions That Can Cost You Time And Money in the Long Run

As I started to spend a couple minutes every month budgeting, I noticed a pattern of spending behaviors that became acceptable to me. I have also witnessed my dad going above and beyond to save a few pennies or a few bucks. I never asked if this was a thrill or some sort of satisfaction by beating the game of what is the lowest price he can get? I guess I should not assume. Here…

simple budgeting

My Simple Way of Budgeting and Budget Categories

Earlier this year (May 2018), I had a personal finance epiphany. Out of nowhere I got this urge to get a hold of my finances and start aggressively paying off my $77,000 student loan debt and further educate myself on personal finance, financial independence, and investing. During this epiphany I decided to plan how I could aggressively tackle my enormous student loan debt. The baby step moment was to start budgeting. I needed to understand…

favorite posts of the week

OMG My Favorite Personal Finance Blog Posts of the Week

For this week I rounded up the following blog posts that I enjoyed reading. OMG My Money’s favorite personal finance posts of the week How to automate your money by Let’s Automate Your Money  – click here My take – I am a big believer in automating your money. It is one or 10 less things to worry about. Why spend those brain cells remembering to pay yourself first or pay those bills when you can…

omgmymoney student loan debt payoff august 2018 update

My $77,000 Student Loan Debt Payoff Goal March 2019

Back in July (2018), I wrote a post about getting motivated to pay off my student loan debt. In that post I did not set a specific date and simply noted that I wanted to pay a little extra per month. I had a great start last month in August paying an extra $9,600 towards my student loan debt. That is on top of the $2,000 monthly payment, which makes the total amount $11,600 in…

home dumbbell and weight bench setup

How I Am Saving Money By Working Out At Home

I have always worked out at home despite some of the companies I worked for either subsidized or basically paid for a gym membership. Perhaps it is the introvert in me, but I find comfort working out alone. I also get to multi task and work on other things during my rest period. (Honestly though I would not recommend this because you will get distracted and the workouts end up going from 45 min to…

post recap

August 2018 Post Recap

Last month (August 2018) I posted 15 total blog posts, slightly lower than the 21 blog posts in July 2018. With so many posts, I thought I would start a monthly post recap to share the most viewed. I do not think I can do a weekly recap so baby steps for now. Most viewed August 2018 posts The lamest excuses I made for not saving money – I share the 9 dumb excuses I…

vacation planning over thinker

Confessions of An Over Thinker Planning for a Vacation

Summer is wrapping up and kids are either back in school or getting ready to go back to school. Randomly I thought it would be fun to share what an over thinker goes through when planning for a vacation. What areas do you over think or over research whether personally or professionally? Do you think this has held you back in some way? One personal example of over thinking is vacation planning. I think I…

three year financial plan

My 3 Year Financial Plan

I have to admit, the older I get the less I want to think about long term plans. Similar to how I have been thinking about how the next Olympics is X years away and how old I will be. In 3 years I will be close the big 4-0, which is crazy to think about. Back in high school I used to think 30 was old. Well I am in my mid-30s now and…

omgmymoney student loan debt payment history

My $77,000 Student Loan Debt Progress as of August 2018

I am sure you have seen the articles about how the average college graduate has a 5 figure student loan debt amount. Here is an article from CNBC for a refresher. I ended up owing a 6 figure student loan debt upon graduation and defaulted. Fast forward more than 10 years and I still owed the US Department of Education nearly $77,000 total. The minimum monthly payment on my student loan debt is $826.24. For…

stop bad financial habits

6 Bad Financial Habits That You Need to Monitor

All of us have bad financial habits, right? I had some horrific financial habits in my 20s and even to this day I still have not cut some of those bad habits. Are there bad financial habits that you are trying to quit? Here are 6 bad financial habits to monitor and eventually quit Buying coffee, munchies, or lunch nearly ever day – this is a matter of laziness. I admit it. I am way…

financial planning 2018

How I Planned My Biggest Side Hustle Expense in 2018

I started planning for a major expense planned earlier this month (August 2018) to support my side hustle of buying and selling sports cards. Every year an annual sports card show takes place called The National Sports Collector Convention. 2017 was the first year I had gone to “The National” in more than 8 years so it was more about gaining the experience of attending a huge show and interacting with the big dogs who…

6 figure salary

I Reached My Goal of a 6 Figure Salary in My 20s But Who Cares

When I was growing up, I wanted to be a stockbroker because I had the perception that stockbrokers made tons of money. I eventually made a goal to make a 6 figure salary. No age goal, no specific amount. It was simply an arbitrary 6 figures I wanted to make. I achieved the 6 figure salary goal in my 20s. Now in my mid 30s, I continue to earn 6 figures to this day as…

not saving money

The 9 Lamest Excuses I Made For Not Saving Money

Throughout this journey I am on as a money moron, self reflection made me realize some of the lame excuses for not saving money. What are some of your reasons you have not saved money? The 9 lamest excuses I told myself for not saving money I don’t make enough – early on in my career during my early-mid 20s, I fell into the trap of telling myself, “if I were to make a little…

bad financial habits

8 Biggest Money Habits to Stop Right Now

What are some of your financial habits you stopped? I am guilty of many of the common financial habits listed in this post. I have used the word “try” so many times in my 20s and even up until I started this personal finance blog back in May (2018). I was inspired by posts made by Cash Money Life, Money Crashers, and The Balance. Here are my 8 biggest financial habits to stop now Not holding…

secrets to early retirement

The 7 Best Secrets to Retire Early

If you have not yet retired, what are some money secrets you follow to strive for your goal of retiring early? If you retired early, what are some of your favorite money secrets to retire early? Early retirement is not something I ever, ever considered before this year. As I started to create this personal finance blog and posting more, I inevitably started to write down goals. One of those posts was completing my first…

financial swot analysis

My First SWOT Financial Strengths and Weaknesses Analysis

This post is inspired by my day job and also a blog post I came across. By day I am a full time digital marketer and one of the market analysis that I have completed is a SWOT analysis. Investopedia has a good overview of what this is in the context of why a company would complete such an analysis. I also know of entrepreneurs who want to start a business and end up completing…

top easy money saving rules

My 9 Top Money Saving Rules

What are your favorite top money rules that you (try to) follow? I referenced blog posts from NerdWallet, The Simple Dollar, and The Practical Saver to create my top money rules. My 9 top money rules Pay yourself first – a lot of the financial gurus, ninjas, influencers really preach this. Whether you work a traditional 9-5 like I do or work for yourself through your own business, set aside a percentage of your income and…

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