Financial Succes

Into Debt And Out Again – Overcoming $40,000 Of Debt

by The Happy Rock on May 20, 2010

The following is a guest post by a dear friend and colleague Ed who is just months away from finally getting out from under $40,000+ in debt. Give him a warm welcome in the comments or a shout on twitter(@ed_bruner): The First Step Into Chains When my wife and I got married, we were debt free with money in the bank (minus my student loans…which I wasn’t even thinking about). When she got pregnant, we decided it was time to buy a house. The year was 2001. The Housing bubble in NJ was already ballooning. We had difficulty finding anything […]

Read More

I have been listening and reading through A Million Miles in a Thousand Years: What I Learned While Editing My Life(affilaite link), and in it Donald Miller provides a very simple framework for thinking about your life: your life is a story. The basic premise is that the same rules apply to your life as they do to stories.  The stuff that makes a good story makes a good life.  If your life feels boring then the story that you are telling is probably boring. Nobody sets out to tell a boring story, they often just happen because we aren’t […]

Read More

What’s Happened To The Happy Rock?

by The Happy Rock on April 7, 2010

Anyone who checks in regularly can tell that things have been shriveling around here for months.  I know it is not out of the ordinary for a blog to disappear into the internet graveyard with barely a whimper, but I still really like this blog and thought things needed a little bit of an explanation. The New Red Huffy Picture a 4 year tearing the wrapping paper from a brand new bike on Christmas morning.  He jumps for joy and hugs anyone in sight.  He rushes out  and spends some time learning how to ride.  He is grateful for the […]

Read More

A Tale of Two Athletes – Phil Coke and Antoine Walker

by Debt Destroyer on November 4, 2009

Late October is an exciting time for sports fans.  Football is in full swing, we get the World Series and the NBA season tips off as well.  A little something for everybody. With that in mind a couple of stores in today’s news caught my eye. The first is nothing new.  It is one of seemingly limitless talent being greatly rewarded with riches beyond most of our dreams. Antoine Walker was an NBA superstar.  In his 13 year playing career he made $110 Million dollars.  The Boston Globe is now reporting that he is trouble for writing $1 million in bad […]

Read More

Below is a post describing a fun frugal experience from my childhood written by The Happy Boulderette(The Happy Rock’s Mom).  The story itself is neat, but what makes it even more interesting is the striking similarity it has to a post that I wrote about Teaching The Happy Pebble about the value of a dollar.  It is great to see that lessons learned as a child are still bearing fruit almost 30 years later.   You can change your family tree. The Happy Boulderette has 2$ in her pocket and the local carnival is set up in the supermarket parking lot […]

Read More

I guess I’ve arrived. I knew I’d catch hell when I posted that I spent $180 in January on Pearl Jam related expenses.  But I was surprised by how much that little morsel caught on with others. A couple of weeks ago LuLuGal asked if I was a frugal fraud (She chose the Happy Rock too – for the $400 stroller). To tell you the truth, I was honored to be on the list.  She was poking a little fun at some fellow bloggers and I’m tickled pink that my act of super fandom made the cut. A few days […]

Read More

Your Money or Your Life? Choosing Between Family and Career

by Debt Destroyer on January 27, 2009

As I mentioned in my About Page, “Your Money or Your Life?” is my favorite personal finance book that I’ve read.  But this post isn’t about the book. This is about a decision that my wife made today. As you long time readers know, I’m going back to school, so we’ve been depending on my wife’s wedding photography business to bring in the bacon around here for the past 6 months or so.  And while we’ve had to tighten our belt to make it work, so far it has been just fine. Today I took a message for my wife […]

Read More

Student Debt…How Much is Too Much?

by Debt Destroyer on December 10, 2008

According to the local public radio station, South Dakota students carry the highest debt load in the nation.  I was shocked to hear this for a couple of reasons: South Dakota Universities (public ones) are very affordable. For example, I’m currently enrolled in 17 credits (6 graduate, 11 undergrad) and tuition & books totaled slightly less than $4000. South Dakota incomes aren’t that high. So if these students are going deep in debt only to get a low paying job, they are setting themselves up for disappointment. Perhaps because of #2 above, I guess I shouldn’t be surprised that students are […]

Read More

Financial Thanksgiving List

by The Happy Rock on November 27, 2008

In the spirit of gratitude and thanksgiving I wanted to list all of the financial related blessings of the last year. Another year debt free, except for the mortgage The ability to provide for two wonderful children Second adoption paid for with cash $11,000 adoption tax credit $2,000 adoption assistance from my employer Two flexible, solid, well paying jobs $5/hour raise for The Happy Rockette Income and symbiotic relationships from The Happy Rock and other projects Top %1 standard of living in the world – Check yours at Global Rich List Warm, comfortable, home in a good neighborhood The means […]

Read More

Dave Ramsey’s Baby Steps Review

by The Happy Rock on November 17, 2008

I have stated before that I am huge Dave Ramsey fan.  I think his approach to debt destruction is the simpliest and most straightforward approach.  It has broad application across all income levels and focuses on motivating people and changing their behavior.  I used the baby steps and the and free access to Dave’s radio show to eliminate $70,000 in 4 years. There are officially 7 baby steps(1-7), but there is an unofficial pre-requisite that I like to put in there. Step 0 – Stop going into debt : If you don’t stop the leak you will never be able […]

Read More