We are in unprecedented times. The world is in shock and awe as this terrible virus swirls around the globe with the President of the United States declaring a national emergency, unlocking billions of dollars to prevent America from falling into desperate times.

For every person in America, there is immediate concern and stress that has come over each one of us almost over night. Where did this come from and why can’t I get my normal life back?

Each one of us has a different set of concerns. How do I prevent from getting sick? Should I just sit at home and cut myself off from society? What just happened to my 401k plan and now what? Will I have a job tomorrow? What should I be doing now to protect my financial future?

These are unprecedented times and they don’t come with detailed instructions. So what am I to do? We wanted to attempt to calm everyone’s nerves here and provide some tips on what to do financially given this sudden outbreak and global pandemic that has completely uprooted our lives as we know it.

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Call A Good Friend

There is nothing better than reaching out to a good friend of yours, especially a long time friend and having a conversation with them out of the blue.

Revisit an old story from the past, plan a future time to meet up for drinks or dinner, ask them how their day is going and see if you can help them in any way.

In fact, it’s scientifically proven that having your best friend around you reduces your stress hormone cortisol and increases your overall self worth. This is based on an actual study conducted in 2011 by Developmental Psychology.

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Drew’s Ultimate Credit Card Guide

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

There are so many different credit card offers available today, your search to find the perfect credit card for you can be so daunting of a task and you are left wondering if I have the best deal.

Search no further! By analyzing 3,476 credit cards issued from 600 banks the epic comparison list has been compiled to showcase the absolute best credit card offers, easily organized in a categorized list broken down by the benefit for each card.

Are you strictly looking for credit cards that carries a 0% APR? Maybe you are mostly interested in credit cards that reward you with travel perks?

Perhaps maybe, you are looking for specific rewards like a cash back reward.

Maybe, you are just looking for a credit card that has no annual fee that you can use in case of an emergency.

At any rate, we have categorized available cards across all of these types of categories so you don’t need to venture out to all of these different credit card sites to understand what each offer is. We have distilled this down into the perks that are of most interest to you!

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Wow, I can’t believe it’s already 2020!   The time has flown this past year.  It’s that time of year to reboot your life and that means we should start thinking about your goals for the upcoming year.

Did you know that 25% of the people who start setting goals this first week of January, will completely give up on those goals by next week?   It’s true.   Don’t be a statistic!    In fact only 8% of people will actually achieve their goals for 2020.   So you may be thinking, that’s horrible odds of being successful.   It’s true, but I know you can do it!   Keep in mind that people who make explicit goals are 10 times more likely to be successful than those are don’t.   I’m also the kind of person that says “Shoot for the moon, even if you miss you will be among the stars”.

Great achievements started with that first step.  So take that first step today by writing down some goals for the year.   I will help you along and give you some ideas.

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My dad has one comic strip next to his desk at home that references and paraphrases Hunter S. Thompson’s famous quote that reads:

“Life should not be a journey to the grave with the intention of arriving safely in a pretty and well preserved body, but rather to skid in broadside in a cloud of smoke, thoroughly used up, totally worn out, and loudly proclaiming “Wow! What a Ride!”  Hunter S. Thompson – American Journalist and Author

My dad at the age of 76 is not slowing down any time soon.   He hikes, bikes and is constantly on the move traveling around the country.    Even at the age of 76, the world is still an intriguing place that he wants to conquer.   Sure he’s retired and could just put his feet up at the beach watching the waves come and go, but that wouldn’t be his version of living life to it’s fullest.

That’s the moral of this story.   You each have your own version of what living life to it’s fullest means, but here are some tips and tricks to guide you because you will not live life to it’s fullest just by sitting around hoping it will come.  You have to want it![Read More…]

So you have decided you have to move?    Are you being transferred for work?   Did you buy too much house?    Do you just want to live somewhere else for a change?     The tough part about owning a home is that sometimes it’s not so straight forward to sell the house when you need to move.

There are many factors in selling a home that determines if the house sells fast or if it takes months and this can change dramatically from the time that you bought your house to the time you want to sell the house.

Take our situation as an example.   We bought our first home when our neighborhood at the time was a hot spot of activity.   Everyone wanted to be in our neighborhood for a couple reasons.

The home was within the city of Akron, however it was the furthest community out before you left the city.   So this gave residents that had to work in the city (police, fire, city officials) a nice residential place to live, new homes without any upkeep but still allowed them to meet the requirements to have a job in the city.   I always told people it was the safest neighborhood because we had all these police, fire, teachers and city officials living next to us.   This was when we bought the home.[Read More…]

Ever since we got married, we would declare January as an entire month of No Spend.   It was right after the holidays after we just got done with putting a bruising on our personal finances, we would shut down all spending for the entire month and at the same time slow down life.

During this time, we would spend getting our life back in order, organizing our life, pay off any bills that we could and honestly just relax.  It was during this time that we would come up with some pretty creative ideas to occupy the time but without spending money.

At the end of January, we would have things back in order and prepared for what’s next.   For you, it doesn’t have to be a month worth of time.  Maybe just a weekend to get started.   So for this weekend you make a pack that your not going to spend a dime and truly make it a No Spend weekend.   You will come out of it relaxed, with a few extra dollars in your pocket and ready to face the world again.

Here is my list of NO SPEND weekend ideas:

Family Movie Night

I can’t tell you how many of these we have had.   Pop in a DVD or turn on the TV and see what’s on, pop some microwavable popcorn from the cupboard and curl up on the couch next to those that you love.[Read More…]

I made the decision to start my own blog because I was inspired by a particular blogger who had built their own blog over the years and now travels full time as a blogger.  They had blogged their way out of a job and into their own business as a blogger that is able to completely support them as a family and more financially.

At a very simple level, this sounded really appealing to me.   In addition, there were some other reasons that I had an interest in blogging:

  • Writing for me is relaxing and enjoyable
  • I love the idea of meeting like minded people from around the world through this medium
  • The topic area that I chose for my blog I have a deep passion and interest in (Personal Finance, Travel, Budgeting, Saving Money, Investing and more)
  • Goal Setting
  • Satisfaction of Achievement
  • Learning New Technology & Techniques
  • Extra Financial Income

So off I went into the blogosphere (Which is really a thing – Look it up) and kick started my own blog

Can I make money with my own blog?  

Absolutely!  You can make as little and as much as you want!   You just have to put in the effort and it will come.   Here are a few bloggers who started small and are now making a fortune:

  • John Lee Dumas (Entrepreneur on Fire) $595,936 in a month!
  • Pat Flynn (Smart Passive Income) $176,649.93 in a month!
  • Pinch of Yum $95,197.34 in a month!

Most people don’t make those figures in a year and these people are making that in a month.

So I share with you the simply steps to get yourself into your very own blog.  Just like these people did.   Here are the steps.   Be sure to follow them closely.
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It’s took me building a big life with a big house and a big family to realize what’s important in life.   I’m here to tell you that bigger is not better and more doesn’t make you happier.    As they say, money is not everything.   However, you will not hear me say that money is not important.

Money provides food on the table and it puts clothes on your back and a roof over your head.  Money is incredibly important so don’t confuse priorities when you hear people say that money is not everything.  What I hope people mean when they say this is that you shouldn’t prioritize making an extra buck over spending some quality time with an old friend.   Money can’t buy a quality friendship.

I write this article today while I sit in a 3000+ square foot home so mind you we haven’t converted fully to a minimalist lifestyle, but what we continue to do is head in that direction.   It took moving into this house to realize the power you can get in moving toward a minimal lifestyle.   I found that having more and having lots of stuff is stressful.[Read More…]

According to the latest United States Department of Agriculture in their latest release last month of “The Cost of Raising a Child'”, they note that it will cost on average between $12,350 – $13,900 a year to raise a child born in 2015.   When you add that up, it’s a whopping $233,610 from birth to 17 years of age.  If you are in a higher income bracket, that cost might sky rocket to $372,210 per child.  If you have kids, did I clear up why it’s so hard to save for retirement?

We have three kids and my oldest is 13.  Over those 13 years it’s been both a battle of paying off debt, properly raising our children and taking our best crack at putting away some money into a retirement fund, but it hasn’t been easy.  Then after you raise your children, then there is college which is expensive and then they get married which is expensive as well.   How will we ever pay for it all?  The way to start paying for it is to plan for it now.

Here are our steps for paying for it all:

“Bucket” our Money

Take a look at how we “bucket” our money to see one aspect of what we do.  Every month we automatically put away a certain amount for weddings because we know we have 2 girls and a boy who will eventually find Mr. or Mrs. Right.   You may say Drew, your crazy…  It’s going to be another decade before any of your children think about getting married.   I will tell you I know and that’s the point.   I won’t have to take a loan or dip into our retirement to fund this grand celebration, the money will just be there to support it.   No stress!

If I save $75 out of every paycheck (Twice a month) into a interest bearing account, I will have well over $18,000 ready to go before my oldest even thinks about taking that first step into marriage.   Or I can just wait and figure out how to get almost $19well ,000 10 years from now.   Which way would you go?[Read More…]