The Start

StartHave to Start Somewhere

In this tough economy, more and more people are looking for additional sources of income or some kind of “side hustle” to help fund their day to day lives and ultimately their retirement. More than ever, a solid understanding of personal finance is key to the betterment of you financial situation. Financial independence is a product of not only income, but your ability to spend the money you do have wisely. When life dictates that you need to borrow money; whether it’s a car loan, personal loan, credit cards or a mortgage, it’s critical that you have the knowledge to make informed decisions.

I decided to start writing this personal finance blog to capture all the things I’ve learned about investing and borrowing money. Being an older guy, I’ve done it all. From small payday loans, all the way up to the life altering mortgage. I don’t like to enter any financial arrangement without knowing what I’m getting into, so I thought I’d share some of what I’ve learned through years of research and self-education. Along the way, if  I come across other writers with information I find helpful, I’ll include their advice as well.

Hopefully some of what I write here is of use to others, and if nothing else, saves them from making bad credit decisions. I know I’ve learned from past mistakes! I welcome any questions or comments you might have, as well as recommendations for future posts.

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