The shocking truth about what you’re REALLY paying

Save more money, save money, save for retirement, buy a new house, afford a new house, fix my relationship, live my dreams, get what I really want, joe serio, get the nerve, get the nerve to succeed

It’s so easy to think that when we buy something it costs whatever price is listed (plus tax). But do you really know how much you’re paying?

Jennifer and I have committed to wiping out her student loan debt this year, so personal finance is a topic constantly on my mind. And I ask myself that question every time I consider buying something: How much does it REALLY cost?

The next question I ask myself is: Is it worth it?

The difference between price and cost is the difference between living your life and living the life you really want to live. [Read more…]

The secret wealthy people know about money

save money, get rich, save for retirement, get out of debt, joe serio, get the nerve, get the nerve to succeed

Does money keep you awake at night? Is it hard to make ends meet, and does thinking about the future—how you’ll help your kids pay for college or ever be able to retire—make you feel panicky? Do you think if you just had more money so many things would change?

Most people believe that how much money you have is all about how much money you make, but that’s just not the case. It’s about how much money you KEEP.

Have you ever wondered how people who make $30-40K a year end up millionaires? Or what about the celebrities and sports figures who can’t pay their taxes and file bankruptcy? [Read more…]

How to stop wasting money

When money is tight, overspending can be easy to do.

As 2013 is coming to a close, this is a great time to be thinking about how you want next year to go, especially in terms of money. Should you be making some changes in how you spend yours?

All of us want what we want and we want it now. It’s just the way we’re wired. Unfortunately, always operating in the mode of instant gratification keeps us from being truly happy and successful.

Epicurus warns us: “Do not spoil what you have by desiring what you have not; remember that what you now have was once among the things you only hoped for.”

Keeping up with the Joneses should be considered a disease. It’s contagious. [Read more…]