Spend Less, Save More, Be Happy!

Photo (cc) by 401(K) 2012

Thanks for visiting our website! Whether you’re here by accident or design, I’d like to keep you coming back. So relax for a minute while I introduce myself, my work and explain how what I’m doing with my life just might make a difference in yours.

Here’s some advice: don’t ever take anyone’s advice, especially when it comes to your money, until you know the person offering it is qualified to give it. Here are my qualifications. I’ve been giving people advice about money for more than 30 years: three as an accountant, 10 as a stockbroker and nearly 20 as a TV journalist. Along the way I’ve been licensed as a CPA as well as in real estate, stocks, commodities, options, securities supervisory, and life insurance. I’ve produced more than 3,000 consumer and personal-finance TV news stories that currently air on at least 80 TV stations as well as major websites. I’ve also written multiple books for national publishing houses. So while I’ll never claim to be the sharpest crayon in the box, at least you can feel confident I’ve been around this particular block a time or two.

What’s just as important as credentials, however, is motivation. When I look at cable channels and popular personal finance websites, it’s obvious to me that a lot of people out there are more interested in growing their own savings than yours. Nothing wrong with making money: only a liar or a fool would claim that a paycheck isn’t at least part of the reason they go to work every day. But it should never be the primary reason for you, me or anyone else.

Here’s why I do what I do: I believe that we’re all put on this earth for a purpose and that happiness and fulfillment come when we find and begin working toward that purpose. And that’s hard to do when you’re forced to spend a great deal of your life running like a hamster on a wheel in a job you don’t like because you have to keep the bills paid. So my motivation…my purpose in life… is to take you off of that wheel by helping you find your personal version of financial freedom.

In short, I want you to be financially free so you can do what you want to do instead of what you have to do. And you’ll get there faster by saving more, spending less and staying away from freedom’s mortal enemy: debt. We help you do that here in at least four ways: with news stories in our news section, with money-saving deals and coupons in our deals section, with sites that help you earn more on savings and pay less on loans in our Rates section, and with a community to keep you motivated and engaged in our Blog section.

That’s what my life is all about and I genuinely hope it will make a difference in yours. To borrow a phrase from Alcoholics Anonymous: Keep coming back…because it works if you work it!

Peace.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next
26 States That Do Not Tax Social Security Income
26 States That Do Not Tax Social Security Income

These states won’t tax any of your Social Security income — and in some cases, other types of retirement income.

10 Colleges That Offer Free Tuition for Seniors
10 Colleges That Offer Free Tuition for Seniors

These schools let retirement-age students study, tuition-free, while earning college credit.

Retiree Households Lose $111,000 to This Social Security Misstep
Retiree Households Lose $111,000 to This Social Security Misstep

A study finds 96% of retirees make this mistake when claiming Social Security benefits.

8 Types of Companies That Check Your Credit Report
8 Types of Companies That Check Your Credit Report

Federal law lets these entities peek at your credit — regardless of whether you’re borrowing money.

12 Things Everyone Should Stop Buying This Year
12 Things Everyone Should Stop Buying This Year

These convenient household products come with hidden costs that you might not have considered.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
11 Things Retirees Should Always Buy at Costco
11 Things Retirees Should Always Buy at Costco

This leader in bulk shopping is a great place to find discounts in the fixed-income years.

Over 50? The CDC Says You Need These 4 Vaccines
Over 50? The CDC Says You Need These 4 Vaccines

Fall is the time to schedule vaccines that can keep you healthy — and even save your life.

9 Things You’ll Never See at Costco Again
9 Things You’ll Never See at Costco Again

The warehouse store offers an enormous selection, but these products aren’t coming back.

11 Senior Discounts for Anyone Age 55 or Older
11 Senior Discounts for Anyone Age 55 or Older

There is no need to wait until you’re 65 to take advantage of so-called “senior” discounts.

8 Things You Can Get for Free at Pharmacies
8 Things You Can Get for Free at Pharmacies

In this age of higher-priced drugs and complex health care systems, a trip to the pharmacy can spark worry. Freebies sure do help.

These Are the 4 Best Medicare Advantage Plans for 2020
These Are the 4 Best Medicare Advantage Plans for 2020

Medicare Advantage customers themselves rate these plans highest.

The 10 Most Commonly Stolen Vehicles in America
The 10 Most Commonly Stolen Vehicles in America

A new model parks atop the list of vehicles that thieves love to pilfer.

7 Ways to Boost Your Credit Score Fast
7 Ways to Boost Your Credit Score Fast

Your financial security might soon depend upon the strength of your credit score.

19 High-Paying Jobs You Can Get With a 2-Year Degree
19 High-Paying Jobs You Can Get With a 2-Year Degree

These jobs pay more than the typical job in the U.S. — and no bachelor’s degree is required.

10 Reasons Why You Should Actually Retire at 62
10 Reasons Why You Should Actually Retire at 62

If you can, here are several good reasons to retire earlier than we’re told to.

5 Ways to Get Amazon Prime for Free
5 Ways to Get Amazon Prime for Free

Hesitant to drop $119 a year on an Amazon Prime membership? Here’s how to get it for free.

3 Ways to Get Microsoft Office for Free
3 Ways to Get Microsoft Office for Free

With a little ingenuity, you can cut Office costs to zero.

14 Things That Are ‘Free’ With Medicare
14 Things That Are ‘Free’ With Medicare

These services could save you money and help prevent costly health problems.

5 Keys to Making Your Car Last for 200,000 Miles
5 Keys to Making Your Car Last for 200,000 Miles

Pushing your car to 200,000 miles — and beyond — can save you piles of cash. Here’s how to get there.

15 Products You Need — Even If You Didn’t Know It
15 Products You Need — Even If You Didn’t Know It

Discover some must-have products on Amazon that you didn’t even know you were missing.

5 Things That Make Life More Meaningful for Retirees
5 Things That Make Life More Meaningful for Retirees

Retirees agree: These are the things that give them purpose and fulfillment in their golden years.

10 Things You Should Never Do With Bleach
10 Things You Should Never Do With Bleach

Does the pandemic have you reaching for bleach more than ever before? Learn the ins and outs of using this powerful disinfectant.

15 Amazon Purchases That We Are Loving Right Now
15 Amazon Purchases That We Are Loving Right Now

These practical products make everyday life a little easier.

11 Things You Should Never Buy Without a Coupon
11 Things You Should Never Buy Without a Coupon

With just a little planning, you can save money on numerous everyday purchases.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.