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It is Carnival Round up time again, the carnivals were stellar again this week as always, and nice enough to let me participate yet again. So if you haven’t checked them out yet stop by read the articles, and then tell all your friends how great mine were 😉

The Money Hacks Carnival was hosted at Consumer Boomer this week and my Post on Upromise actually made it as an editor’s pick.

The Carnival of Personal Finance was hosted at MoneyNing this week, it was the 200th one, man that thing , has been around hasn’t it.

StretchyDollar made a last minute scramble to get the Festival of Frugality up this week and did a stellar job, IMHO.

The Carnival of Twenty Something Finances was hold up at Your Money Relationship this week. I just had a thought, I can only participate in this carnival for a few more years… man I am getting old

The 3rd installment of the Carnival of Pecuniary Delights was hosted by the ever so frugal Miss Thrifty. It seems this carnival is really taking off so don’t forget to get your submissions in.

That is it for the week for me, I am hopefully going to take the boat out tomorrow and relax, for awhile. If you haven’t had a chance yet to read my first post in the Budgeting 101 series, check it out I am proud of it and it that takes a lot.

Photo: (Ishrona)

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boatsAt what point does our propensity for savings and frugality start to affect our ability to enjoy life in the now?  I could give you 100 examples on 100 blogs about finance of how to save money, make money, grow your own food, etc.  Finance books talk about how American’s desire to accumulate things has made us debt ridden and destitute.

Don’t get me wrong, I am not advocating debt or excessive spending.  My concern is that people are moving towards one extreme or the other. You either spend excessively or save excessively.  I am in debt, if I were to be playing the Dave Ramsey game I should sell my boat, and pay off my student loan. Once my student loan is paid off I should then put 15% into retirement, fully fund my emergency fund,  save for college etc. etc. etc.

I like my boat, I am addicted to the water, I grew up on regular trips to one of the Great Lakes, and then I moved into the southeast where there is rivers everywhere.  I want to enjoy my life now and later, I plan for my future and make small sacrifices today to create the “financial independence” so sought after for my future.

I invest for my retirement, I pay off my debt, I save for my childrens future and I have fun.  Life is too short to spend every day worrying about what that $100 could be if you saved it. If you have the cash and it is going to bring some value to your life, buy it.  I say take one day a month or a quarter and splurge, not a lot, but get yourself something. Buy an iPod or an iPhone, or a new wakeboard buy something you will use and enjoy. While it may not provide you monetary security, the psychological effect of enjoying your life responsibly will be well worth it.

I am taking tomorrow off from posting,  things are getting crazy and I need some time to get ahead.  Fear not I will be back. Additionally I am out of town for a long weekend this week and am looking for anyone interested in submitting a Guest post, I need at least two to cover. If you are interested drop me an e-mail with a description of your proposed post.  Thanks

Photo (wili_hybrid)

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ME

ME + 15lbs for web

Trent over at the Simple Dollar had a great post called “Who’s Right, Who’s Wrong” where he discusses criticism he received for not being a so called “Financial Expert.”  Reading this post made me realize I don’t think I have provided enough information about myself and what I am trying to accomplish with this blog.

My name is Kyle, I have an Associates Degree in Web Programming and development and a Bachelors Degree in Network Security and Forensics. I am not a CFP, CPA, or anything like that, I am a CISSP, CISA, and OSCP. Of course none of those things relate to this blog. I live in your typical middle class suburban neighborhood, I live a middle class life and am your typical American dad. I don’t pretend to know everything about finance, investing, real estate or any of the typical stuff you see on Finance Blogs.

In the past I have turned a very blind eye towards all things that have to do with my financial well being.  I allowed my wife to handle all aspects of our finances, luckily she is smarter and better at it than I would have been, but recently I have become involved and intrigued and the opportunities that exist for anyone willing to pick up a book, as well as read some of the great blogs out there.

This blog is a way for me to remain involved and allow other people to learn with me, through my experiences and my failures.  I am not a frugal fanatic, but I see myself as frugal. I am not an investor or an expert on investing. What I know is what I have taught myself or learned from those around me.

I don’t expect anyone to take advice from me, but I hope that I can help inspire you think about your decisions before you make them, I am open to all questions, comments, and criticism.  Maybe one day I will be a Flexo, a Trent, or a Jim. I doubt it but you never know, people may like me, they may not.

I want every visitor here to think about their situation and how they could improve it. You don’t have to agree with me, if you don’t agree leave me a comment tell me what you think, tell me why I am wrong.  I want people to understand that I plan to provide information that is pertinent to me and hopefully to you, I will tell you what I am trying to do to improve my financial situation and I will give you MY opinion on what is going on the world.

Thanks for reading and I hope I have, or will provide you with something useful in your life.

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I am on Twitter

March 1, 2009

I started a Twitter account today and installed TweetDeck, right now I am following around 10 people but will be increasing that as I continue in my blogging endeavors. Leave me a comment with your Twitter ID and I will follow you, and don’t forget to follow me.

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