This is my maiden post on the Money Hacks blog. I welcome you, my readers, to my personal finance site, where, together, we find, explore, try, and buy various money tips and tricks (or hacks). I want this to be an interactive and iterative journey, where you glean as much from me as I do you (perhaps even a little more).
The goal here is getting your financial self in shape. The persistent conflict most of us have is spending money versus earning money. Oftentimes, we earn money only to have spent it last month. Of course, only our government can perennially run in the red.
It is up to each of us to find ways to run in the black. Since most of us work “regular Joe” jobs, we cannot really expect to get 10-20 percent raises each year. More likely, we get 2-3 percent, if anything. It’s difficult to earn more than we spend under these circumstances, especially with interest rates on the rise, gas prices undergoing serious increases, and energy costs going through the roof.
So, the focus of Money Hacks is to learn how to save money — i.e., spend less than you earn. It isn’t just about being cheap. I know as well as you that there are certain things that you’re just going to buy, no matter what. For some, it’s our morning coffee. For others, it’s iTunes downloads or that iPod you’ve had your eyes on. So, frugality is a part of this, but like dieting, everything must come in moderation. Once in a while, treat yourself.
Now, treating oneself is where we can learn to save money by spending money. There are scores of shopping sites online that can help us ferret out the best deals on those things “we just gotta have.”
But in other respects, saving is simple: Spend less than you earn. That’s what this site is about.
Occasionally, I will discuss things a little off the topic of saving, but in the realm of personal finance or investing. I hope you will indulge me. Together, we might learn something.
I sincerely look forward to making many posts, interacting with you, and learning together something neither of us knew until we met. I would like to give you a preview of my first several posts, but I am so busy with this site and a couple others that I simply haven’t had time to put much thought into the first posts.
My suggestion, at first, is to become familiar with the Links to the right as well as with the Books also on the right. These are the primary sources from which I will find those sparks that lead to relevant posts.
So, please, enjoy and come back often. Make sure you add this site to your RSS feeds and to your bookmarks.
Money Hacks has a varied audience of interested readers and buyers, from people looking for information on investing products and services, to debt management and elimination, to economic news, theory, and opinion (with a heavy emphasis here). Our readers range from folks in deep debt to “barely making it” to wildly successful.
Here’s the Quick & Dirty Lowdown:
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Here’s the deal: We will advertise products and services that our readers want. We’re open to new ideas, but you may have to be very persuasive.
I am not a financial adviser.
While I do have over 20 years of business experience which runs the gamut of managing retail stores, advising small business owners, being the CEO and CFO of my own incorporated company, holding Economics and MBA degrees, I am not a registered financial adviser.
It is my humble opinion that the information, commentary, and opinion that makes up the pages of this site is sound, accurate, and credible.
However, in no way is any of it to be construed as financial advice. It is opinion.
My name is Bill and I have been collecting money hacks since 1966.
After getting my degree in Economics, I entered adulthood, out on my own for the very first time. I got a job, an apartment, and a car, racked up some debt, and paid it down. Living in the now didn’t really prepare me for what was to come: My Future.
Fast forward 20 years and I find myself with a mortgage, 3 cars, two kids, what I consider to be a well-paying job, and I can barely make ends meet.
Thus, my entry into finding ways to save, invest, and earn money. I hope to bring you unique, relevant, and useful information. Feel free to contact me at firstname.lastname@example.org or on Twitter with suggestions for improving the site, questions, tips, tricks, or money hacks you’ve discovered, or anything else that comes to mind on the topic that concerns us all: MONEY.
After all, money does make the world go ’round.