Long time no chat. (time)
Hello everyone, I have been pretty busy with Church and family time as well as my periodical one on one coaching that I kind of forgot about this page. Sorry. But Time is an issue we all have to deal with. Do you ever say, “I don’t have any time for *blank*” Well welcome to being normal. Here is what I do. Very stress relieving for me. I prioritize everything I need to...
Our life is our choice. . . . . . .
Good Morning guys, Well if have been following me the past 2 years, you would know we (Me and my family) were on a journey to being debt free. Summary: Lost 2 homes Living off of overtime hours. Well beyond our means. 2009 overtime ends and wakeup call lose homes and luxuries. I apologize for the lack of entries these past few months. But, Update: Bought new home after becoming debt free....
Dave Ramsey shared a story from his mentor about how we as americans are gradually acclimated to love debt. Basically it is about a frog Click here to watch video afterwards. The Frog when placed near boiling water feels pain and discomfort so, he avoids the pot all together. Now when placed into a pot of room temperature water, the frog just swims comfortably around adjusting to the...
Hey guys!!!! Good afternoon everyone. It is a wonderful day in Phoenix. Nice and gloomy with all the low clouds. But! Back to the subject. BLACK FRIDAY!!!!!!! The term Black means basically a day to get the stores in the black. A positive income. Instead of red. A losing income (revenue) Now we all have done it from time to time. Wait in line. Then runinto the store to get those deals. ...
Are you really stuggling????
Hello again everyone. Been busy these past few weeks. Sorry for the down low phase. Anyhow!!!!! Are you struggling? There is one way many of you will see a positive change in your life. That is w-4 and w-2’s The taxes you get refunded to you every year. I know people that get 3,000 up to 10,000 dollars in returns during tax time. And honestly that is ridiculous. That is your money,...
Ever play roulette? You have a big huge table with numbers all over it, green red and black spaces and this big huge wheel with the same numbers green, red and black spaces on it. You bet some money on one number or color and hope to win the big one!!!! You lose. You lose a little bit of money. Your ego goes for a nap for a while. Russian roulette. You are raising the stakes. You are...
Some people give time, some money, some their skills and connections, some...– Internet search. Giving quoutes
Thought of the week for FPU.
Thought of the week to my class…… Hope you like it. Definition of frugal. 1. thrifty: characterized by thriftiness and avoidance of waste 2. meager: involving very little expense Bottom line what do you value. It is the deciding of what you value compared to what is cheapest. It is the desire to get the best deal for your money but not thinking you can get it for free every...
Holding yourself accountable.
Hey guys, I am done with lesson 2 and working on preparing for lesson 3. I wanted to share with you a thought. Do you ever recall getting annoyed when you were constantly reminded about certain things in your childhood and teens. Heck! Even with your spouse or Boy/girlfriend? “I know I know!!!” But really you didn’t know or else you would not have been told AGAIN in the...
Frugal doll house!!!! On the cheap. →
I found this Diy for doll houses. My daughter is asking for one so I am doing this project next payday!!!! I hope you like it. Be smart. Be Frugal. Be a better YOU! Richard
Saving . .
Good evening everyone, It has been a wonderful week and lesson one for financial peace university seemed to me to be a success. The lesson was on saving. Learning to save to train yourself away from debt. What are some ways to increase some savings is what I am brainstorming right now. Here is what got me started. 1. couponing 2. Ate in more ate out (fast food) less 3. Gave myself some...
Hello guys….. I just want to give you a heads up. I will be teaching another Financial peace university course. As the weeks go by I will share a little something that might help you financially throughout these next nine weeks. It might be small. It might be HUGE!!!!! So, I hope starting next week you will tune in. And if you have any questions please send me a message. I will...
Can you make 18 percent on your money?
Everyone is looking for the BBD. The Bigger Better Deal. But can you honestly get 18% growth on your money. I have learned one way. Credit Cards!!!!!! No, don’t get confused if you use them you will not gain 18% growth. The staying away from using them will encourage you growing your money automatically by 18% on average. Because you will not be giving the banks that 18%. You...
A little upset. . . . . . . . . . .
I woke up to watch the olympics this morning and I see a payday lender commercial. They were advertising a 500.00 loan with a 35.00 fee to be paid back in 2 weeks. For a month that is 70.00 in interest For a year, that is 840.00 in interest fees For 500.00!!!!!!!! That equals 168% interest………………. Do you really need that 500.00 or can you find a better plan...
Chick-Fil-A InVAdeD!!!!! →
I was one of the supporters of this restaurant today August 1st 2012. Not for the reason that I oppose gay marriage as well. I believe in the biblical verse love your neighbor. The golden rule basically. I am tired of all the political correctness. Free speech should be protected. Dan Cathy president of the restaurant stated his views of biblical values and the gay community I guess got pissed. ...
Quarter is done. Time to prepare for the next...
Quarter is over for Generation change.. .. .. .. .. . I am honored to teach Generation change to my congregations teenagers. I had 11 kids sign up. At the end 9 finished. They learned about marketing how they want your wallet learned about their personal value that they are more than their stuff. Budgeting balancing checkbooks preparing for the workforce. giving beware of student...
Went to my store goodwill and bought a new stack of books to read. Zig ziglar, Donald Trump, Joel Olsteen , The Shack and so on and so on. A few new to me shirts. Spent under 15 dollars. That aeropostale shirt I found would have been around 20.00 alone new in the store. Have a wonderful day everyone. You don’t sacrifice when you are frugal. You just always want the deal. Richard
When I was a young man, I wanted to change the world. I found it was difficult...– Internet search Bing - change quotes.
Something to think about...... →
The same man who predicted the 2008 crash is sharing his thought on a possible worse situation as early as 2013. Richard
Ideas for you 20 somethings!!!!! Save your money. →
Living a debt free lifestyle is a hard life when you first start out. But with determination and hard work, you can become wealthy with good money habits. Be smart. Be frugal. Be a better you. Richard P.S. Watch other videos on here for more ideas on how to save.
Back to school! →
For those of you who are starting on your coupon journey here are some deals at your local chain stores. Happy Shopping! Richard
The stroke of your brush……………. The amount of paint you apply to your canvas. The different types of brushes. Is it not even a brush at all? Pencil? Charcoal? a 5 year olds crayon? When it comes to money, how do you handle it? Is it just a unmanaged mess like when a young child first learns how to color? Do you take the time to add detail to your piece of art? How many tools are you using...
Rapid Mortgage Calculator →
For those of you who think Like me, here is a nice tool for you to tryout if you are a homeowner or are becoming a homeowner. This is a mortgage calculator that will compute the amount of time it will take to payoff your mortgage. It also has nice additions like what if’s. What if you cut out pizza in your life? Coffee? Soda? So, have fun. Try it out. There is no such thing as a good...
Hello guys, I am sorry I don’t have time to post regularly anymore, Family life is pretty busy. I just wanted to share an e-mail I sent to my class this morning for the parents. Some of it might help all of you. Richard. Good Morning! Happy Fourth to all of you. We had a good class this weekend. We are now into the money discussion of what our kids will be exposed to. I started with...
Long time no chat Tumblr, This class I am teaching for teenagers is going great. We are learning about our value system these first few weeks. Basically the things we value will bite us in the butt if we are not careful. (Ipods, Ipads, cell phones, cosmetics, games, etc…) In the bible in Matthew 6 it says ” where your treasure is your heart will be also.” The fact of the...
The Garbage along our streets.
Good evening guys, I just woke up to start my night at my new work assignment and wanted to know how much people throw away. If you don’t know me by now I live my life day to day like any other person. But as I observe around me, I notice things. This morning while taking my daughter to summer school, we drove through the reservation (91st ave and salt River.) And all along the road...
Just an update......Sometimes I wonder.
Hey guys, I know I have not been posting on my thoughts in a while. I actually have been pretty busy preparing for my class I am teaching this summer. In my free time I was reading, typing up presentation paperwork, promoting, and researching the material I am teaching. The course is called Generation Change. Generation Change is a teenage financial course that introduces the importance of...
No coupons this sunday due to the holiday. Just letting everyone know. :)
Service. What is your method?
Hey guys, I just got home from a semi busy day. Two 8th grade promotions and a meeting at my church. We were at a restaurant. I just thought of this question. How much do you tip your servers? I mean, I can’t say this for every waiter/waitress but most hourly wages for these employees are below minimum wage. This means they predominantly live on their tips to live their life. So, I...
Try it again..... Payday Lenders.
Okay! I hope my whole message is able to be posted this time. Good Morning Everyone! Happy Saturday. I just want to share something that upset me a while ago. On my way home from I don’t remember where, I drove down central ave through south phoenix where my mom lives. It was late at night. So it was dark, hardly anyone on the road and I kept seeing these neon signs stand out to me. ...
When you really think about how much do you make? →
Sorry I haven’t posted in a while. Everytime I try to post an entry it glitches. meaning only half of my entry is posted. Once I figure out what is going on I will start posting again. Otherwise. Blogspot here I come!!!!! Richard last entries I tried to post are payday loans credit scores. rent to own stores.
What are you afraid of?
Good Morning guys! I have the luxury of waking up to an empty nest. The kids stayed at their nanas last night. Other than some back pain. A good day so far. So, the question on my mind today is “Are you afraid of doing something, anything, that would make it better for you?” Everyday, I witness people given opportunities to become better people. Offer of a new job. Learning a...
It’s not how many hours you put in but how much you put into the hours.” —Sam...– Financial peace university website
Fry's preview list →
Not too many deals this week guys it seems. It looks like I am only picking up staple items. Have a good day, Richard
Debtors prison.....Sad. →
People in some states are going to jail for not paying their debts. read and see if you live in these states. Be smart, be frugal, be a better you. Richard
I had a question asked not too long ago. Maybe some of you can assist them as well….. Please make any productive comments that can assist in their goal. Thank you, Richard I have another idea… What if I started a small catering type business? Put out flyers or an ad asking ppl if they need dinner made or small parties… that way I can get “established” like...
Man you are so good at failing??!!??!!
Hey guys, Sorry I haven’t been making entries into the blog but I actually had too many ideas in my head at once and could not decide what to write about. But, are you a failure? (apparently I decided.) When I think about it and ask myself that question I would say yes! Yes I am a failure. But!!!! (There is always a but.) I am a success because of those failures. If you think about it,...
Fry's preview →
I am enjoying whoever was hired at pinching your pennies dot com. What took me normally an hour to review the and to see if I have some deals to pick up wednesday morning takes only 5 minutes now. It’s Pretty accurate too. I review other websites and periodically find hidden deals but this is my main link to savings. Enjoy everyone! Be smart, be frugal, be a better you. Richard
Fry's preview list, 4/11 →
Free Toothpaste guys. Nice to stock up or donate.
Money and relationships →
Nice simple article from a guy I like to read. Clark Howard is a thrifty person who knows how to stretch his dollars and find deals. If you are starting out, reading some of his articles might be a little helpful to you. Be Smart, be frugal be a better you. Richard
Interesting website for newbies in finance. →
For all you college students who have no clue where to start to having a decent financial life, this website might help you a bit. Remember if you do not train yourself about money, you’ll only spend more when you make more. You will credit a 300.00 raise with a 400.00 car payment. Come on! Learn guys. Be smart, be frugal, be a better you.
Back on track.........but would like input.
Good morning guys, I know I have not been spilling my brains recently. I actually have been really Lazy. It is kind of nice. In my home I am responsible for groceries I really haven’t gone to the store in about a month except for staple items (milk eggs meat bread) When they go on sale. Last night I picked up 4 dozen eggs for 1.98. So, I am stocked up. Milk I wait for it to be 1.57. ...
Previous entries →
Good Morning Guys, Nothing new to share in my life so I figured I would post a link to a list of my previous entries to share what I think and how I live when it comes to the frugal lifestyle and where to start. Enjoy, Richard Frugal-guy is just a normal guy who learned the hard way how to handle money. By losing it. If you would like to donate to his cause of teaching personal finance and...
Fry's 4/4 →
Anyone who stops learning is old, whether at twenty or eighty. Anyone who keeps...– Financial peace University web page. http://www.daveramsey.com/fpu/home/