About Me

Debt Calculator Released and Ready For Users

by The Happy Rock on August 9, 2011

The first release of the online debt calculator is ready for users. The idea is that you don’t need to download a debt reduction spreadsheet or some external program, you can visualize your debt destruction right in your web browser. Debts can be reordered by dragging them around in the list, you can see what happens when you add extra monthly payments, reorder debts using the debt snowball method of smallest balance, and more.  Full instructions are in the sidebar next to the debt calculator. With that said, I am looking for feedback. I am poised and ready to add […]

Read More

The Pain Of Taxes Without A Mortgage

by The Happy Rock on April 20, 2011

I procrastinated filling taxes this year again…no big deal.  Late filing seems to be common practice for those of us who usually owe money each year.  The pain came when I received word that we need to file for extension and pay DOUBLE the normal amount to the fed and the state.   I was shocked.  I saved and paid quarterlies the same as I did the last five years and we got killed worse than normal.  Now I am trying to figure out what happened and recover. A Little History Every since we got married we have owed thousands of […]

Read More

The title is over the top, but I am pretty excited.   I can’t call The Happy Rock revitalized until I actually start posting and investing in the community again, but that is my honest desire.  The blog has been languishing for almost two years, but now I am refreshed and ready to start taking action towards my goal.  A site rewrite was planned for a while and I finally pushed through it. Why Did I Do It? I had a few offers to sell The Happy Rock, but I choose to revamp The Happy Rock instead. I wasn’t ready to […]

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

When is #1 not #1? When inflation says so.

by Debt Destroyer on March 3, 2010

Seen Avatar yet? I’m guessing a lot of you have since it has earned over $700,000,000 at the domestic box office which makes it the number one movie of all time.  It’s also nominated for 9 academy awards, if you’re into that sort of thing. Personally I think it will win quite a few (Best Picture, and all the techie ones). But when adjusted for inflation Avatar is only the 15th highest earning movie of all time (I say “only” like it’s a bad thing or something).  According to those figures, Gone With The Wind is the number one money […]

Read More

Frugal Family Traditions

by Debt Destroyer on October 12, 2009

This past weekend my family said “Goodbye to Summer” and “Hello to Fall” (Not just because we turned on the heat for the first time either). In what is becoming a yearly family tradition we took a hiking trip in a state park which allowed us to enjoy some beautiful fall foilage.   I understand that in some parts of the country it is no big deal to look at trees, but here in the northern plains it is.  Such a big deal in fact, that we are willing to drive 90 min (one way) to get there. As a […]

Read More

DD’s Monthly Expenses – September 2009

by Debt Destroyer on October 2, 2009

It seems like I start off every one of these posts by saying I can’t believe how fast time is flying, BUT I REALLY CAN’T! I think the cool and wet summer we had screwed up my inner clock.  It is still waiting for the 4th of July.  Oh well… As some of you know, I track my family’s monthly expenses, and what follows is the tally for September: $840.39 – Mortgage $759.20 – Health Insurance $614.50 – Daycare $400.00 – Preschool $399.22 – Groceries $169.82 – Landscaping $150.00 – Student Loan $134.01 – Tennis $111.76 – Electricity $111.47 – Vehicle […]

Read More

Cast Your Vote – Carnival of Top PF Post #6

by The Happy Rock on June 10, 2009

The Writer’s Coin was the host for the 6th Carnival of Top PF Posts.   The carnival write-up includes carnival summary and a brief summary of each article.  Click through and check out the carnival. For an easy voting reminder the voting widget is displayed below(RSS readers need to click through to the site to vote). Also new this week is the “Share this poll” link on the bottom of the voting widget which is designed to provide simple access to any bloggers who want to show the poll in a post on their own site like I did. The purpose […]

Read More

DD’s Monthly Expenses – May 2009

by Debt Destroyer on June 3, 2009

Can you believe it’s June already? Time is flying by.  As most of you know I track my family’s expenses. Here is the tally for May: $989.40 – Auto Repairs $830.00 – Mortgage $664.10 – Health Insurance $615.00 – Daycare $496.43 – Groceries $325.00 – Preschool Down Payment $305.52 – Household Misc $205.00 – Student Loan $179.59 – Shoes (new tennis shoes & summer kid shoes) $173.84 – Park & Rec Classes $168.95 – Electricity $167.94 – Contacts (6 months) $134.30 – Gas $124.23 – Gifts (Mother’s Day, Graduation, B-Days) $116.64 – Clothing $75.00 – Fun Kid stuff (Chucky Cheese, […]

Read More