Everything you ever wanted to know…and some stuff you didn’t

*I feel slightly creepy right now, like I’m writing a personals ad*
Background:

Well I’m a 23 24 year old dude that is making his best attempt to navigate the intricacies of adulthood. I currently reside in San Diego, Ca but am hoping to move to Washington state in the coming years. I graduated from a small private school in San Diego two years ago and currently am working for Uncle Sam. I’m pretty happy with my current situation. I became addicted to finances about one year ago after a conversation about Roth IRA’s with one of my friends. I have always had decent spending habits (never had credit card debt) so I wont be preaching the gospel of a 180° turn around in my financial situation.
I have absolutely no financial credentials (got my degree in Psychology) and only took one economics course in college. I’m pretty dang frugal and am currently in the process of saving to buy a house. I love reading finance books ,google news, and other blogs to keep up to date with what’s going on in the world.
I plan to use this blog for two puporses:

1) Accountability. Maintinaing a website about my financial priorities, habits, and opinions will benefit me 2, 5, and 10 years down the road as I will be reminded where I started and how far I’ve come.
2) As the headline of this blog suggests, I want to make personal finance less boring. There are a ton of PF blogs out there, some serious, some not so serious. I plan to find a happy medium between relevant and useful content and having crazy delicious amounts of fun. I guess my target audience is for the twenty somethings of the world, mostly because I am in that category. I don’t claim to be the best blogger out there (actually there are quite a few blogs I read that I enjoy FAAAR more than mine) and will probably make mathematical, grammatical, and typographical errors in some posts.
Previous Blog Attempt:

I originally started a different blog in May 2008 with the sole intention of making some dollar bills…let’s just say that didn’t go as planned. I took a good nine month break from blogging and decided this go around I’m going to write because I actually want to, not some lame attempt to make some extra cash flow.
If you’re looking for crazy in depth financial information you probably won’t find that here, but I’ll do my best to bring relevant entertaining information to the plate. I love getting comments and constructive criticism is a good thing. If you like my site let me know, if you hate it let me know.
Oh and did I mention I like long walks on the beach, puppies, jack johnson, sunsets, and punching debt in its face.
Much Love,


I love learning about finances….and I love my Credit Card!


So I got a Credit Card that awards one airline mile for every dollar I spend. I know most people recommend cutting all credit cards up to avoid high interest on any consumer debt, but I am quite a fan of my card. I have never needed to use the “credit” aspect of my credit card. I treat it like a debit card and pay the full balance every month. If I don’t have the money, I don’t buy it. There are two BIG advantages to using my credit card for EVERY purchase I make.

The first is that I get one airline mile for every one dollar I spend. I put everything from a $1 pack of gum to my $1,000 laptop on my credit card. Just by using my credit (instead of debit) card for ALL my purchases I basically rack up enough points to earn a free flight every year. I don’t know about you, but I’ll take a free ticket any day!

The second advantage to using my credit card is basically free money for one month. This allows me to make purchases before my paycheck gets auto-deposited in to my account. For example, I bought my laptop for $1,000 dollars on the 10th of Jan. At that time I only had $900 saved for my new laptop, but since I charged it to my credit card I was able to walk out the door with it before I had the full $1K saved. I got my paycheck two weeks later and took my “$100 a month laptop fund” added that to the $900 I had already saved and paid off my credit card balance in full. The laptop didn’t cost me any more then it would have if I used my debit card, but I was able to get it two weeks earlier.

I’m fully aware of the dangers of owning a credit card. It takes discipline, but as long as you don’t spend money you don’t have, I’m convinced that credit cards  are an asset to my financial success. I have plenty more to say about credit cards and I would love to hear what you all think about them. Keep looking for more of my financial habits and advice.

What do you think?

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Valid from 23 March 2009

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