So You Completed the Spartan Ultra Beast, Now What?

“See that mountain over there? Well. One of these days I’m gonna climb that mountain.” – Mountain Music, by Alabama This past weekend was the 2017 New Jersey Spartan Ultra Beast. Those that DNF'd are also licking their wounds, rehashing the race, and planning their go at the Spartan Ultra Beast. People who completed it are [...]

How We Stopped our Paycheck to Paycheck Lifestyle: The Fulcrum

Budgeting The most obvious and oft-cited way to achieve personal financial success is with a budget. Have more money coming in than going out. The concept is simple enough, but the practice is extremely elusive. Each individual or household has to find a way to make a budget work for their lifestyle. Sometimes it's difficult [...]

How to Shop for Car Insurance: Don’t Just Google “Auto Cheap Insurance Quote”

You are finally looking at your finances and trying to get on a budget. You look at all your monthly and annual expenses and finally come to your insurances. You don't know sh#t about car insurance, but know that you want to pay less. You hop online and Google, "Auto Cheap Insurance Quote", pick the [...]

How I Improved my Credit Score by 150 Points in a Year: A 13 Point Process.

How I Improved my Credit Score by 150 Points in a Year: A 13 Point Process. At the beginning of 2016 I made a New Year’s Resolution to improve my credit score by 150 points. By one metric it started at 561 and ended at 721. How did I do it? First, I will give you [...]

101 Tips from a Fat Guy who Hates Running on How to Finish the Spartan Ultra Beast

I previously posted about how I finished a Spartan Ultra Beast here, but that post was more about how it related to my overall view of how debt and diet interrelate. Although the details about how to finish a Spartan Ultra Beast may not be relevant to that base of people; that post was by [...]

How to get Fat while Going Broke in 4 Easy to Follow Steps!

How did I get to this point? How did I get this fat and this in debt? I don’t make any extravagant purchases, but I'm living paycheck to paycheck. I don’t live beyond my means. Or do I? For many, the descent into debt and fat is gradual. It’s not one big purchase or one [...]