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Welcome to My Personal Finance Blog

Expand Your Income

Generally speaking, when you talk to someone about managing their money, eliminating debt and building up a savings then the 1st thing to do is cut down on your expenses.  I don’t think that anyone ever talks about working on ways to expand your income, making more money to achieve your financial goals. For most…

You Must Have a Strong Reason (Why?)

Why do you make certain decisions in your life? Do you make decisions for someone else, yourself or the betterment of your community? I ask you these questions because a strong and solid reason of why you do something will bring you through tough times.  Yes, this is a blog on personal finance so you…

Delayed Gratification

Can you be disciplined enough to make a plan and see it all the way through until the end?  If you know anyone who has been successful at anything then you are looking at someone who delayed gratification.  Gratification is a source of satisfaction and pleasure (Merriam-Webster).  So delayed gratification means to slow down or…


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