not saving money excuses

5 Dumb Excuses I Made For Not Saving Money

I made some dumb financial mistakes in my 20s such as defaulting on my student loans, but it all started with not saving money. This was the catalyst for all my eventual money mistakes. I want to share the excuses I made for not saving money in hopes of encouraging you to start saving money no matter what age you are. It is never too late. 5 excuses I made for not saving money 1….

stay in your financial lane kevin hart

Kevin Hart Has One of the Best Financial Advice Stay in Your Financial Lane

I enjoy my share of stand up comedy performances. One of my favorites has been the earlier Kevin Hart stand up called “Laugh at My Pain”. He has a bit (check out the clip below) about staying in your financial lane. I call this one of the best pieces of financial advice. It has to do with both keeping up with the Joneses and lifestyle creep or lifestyle inflation. I was pulled out of my…

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…

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…

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…

personal finance guilty pleasures

Confessions of a Money Moron My Top 4 Guilty Pleasures

Everyone has guilty pleasures. Whether you are struggling financially and living off paycheck to paycheck or a self professed financial guru, ninja, influencer. What are your biggest guilty pleasures? Here are my top 4 guilty pleasures Funding my side hustle – the problem here is I was attempting to fund my side hustle through my side hustle fund, but I am not selling enough of the inventory so part of my paycheck goes towards funding…

financial literacy

5 Financial Literacy Money Lessons I Wish I Learned When I Was A Teenager

If you are a parent, what are some money lessons you have shared to help improve your child’s financial literacy? In college terms, let’s say I was entering “Financial Literacy 101” in my mid to late 20’s. I feel like I then graduated to Financial Literacy 201 in my early 30’s and now in my mid 30’s. I hope for the sake of your children that you start Financial Literacy 101 before your child enters…

taking the car vs taking the train

I Am a Money Moron with My Monthly Transportation Expenses

Cue Usher’s “Confessions” melody….these are my confessions….for being a money moron to this day. I live in a city that is extremely public transportation friendly meaning if you live or travel into the city (even as far out as 1-1.5 hours away in the suburbs), then the majority of the public will take the train. I have this thing against public transportation (buses, trains). I think this started when I had to take the bus…

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