Price Book

We Have the Best Price!

Grocery stores always tell you when they have great deals on groceries. But what they don’t tell you is that they are charging you more on other items that you can get for cheaper at another store.

But how do you know where you should buy each item on your grocery list? Is it even worth the time to shop at multiple stores? Absolutely!! Step in the Price Book!

What is a Price Book?

Simply put, a price book is a list of commonly purchased groceries, where you buy them and what you paid for them. Some people limit their Price Book to the 20-30 groceries that they buy most often. Some people track anything that they know they will buy again.

I started off tracking all of my groceries that I thought I would buy again. After doing this for a while, I whittled my list down to the groceries that I buy most frequently.

What Should I Use For My Price Book?

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Don’t Give Up…Don’t Ever Give Up!

Perseverance

As I turn a new chapter in my life, I have had many thoughts about which direction I should go.

Do I work as much as possible and save and invest as much money as I can? This would help me avoid taking the time to think about the stress in my life. Do I minimize the amount of hours that I work and focus more time on hobbies? That would extend the amount of time that it takes for me to become Financially Independent.

I couldn’t help but remembering one of my favorite speeches of all time. Jim Valvano had cancer. It had gotten pretty bad. On the night of March 3 1993, Jimmy V was awarded The Arthur Ashe Courage Award. The speech that followed was one of the most memorable speeches of my lifetime.

If you’ve never watched it, grab a box of tissues. Read more… »

Goals

Public Accountability

I want to share some of my current goals and where I currently stand in terms of both my finances and my health. This is to help you see where I am starting from and what kind of progress I am making. It is also to give me some public accountability!

Let’s start with my health. I am 35 years old and I am 5’11”. As of the writing of this post, I weigh 213 lbs. My BMI is 29.1. I am not terribly overweight, but I am, none-the-less, overweight. I went to the doctor for my annual physical last week and I am in good health, other than my weight.

In regards to my wealth, I’m in the hole. I guess that I am not technically in the hole. But it sure as hell does feel like it! It turns out that even with all of my debt, I actually have a positive net worth. Thankfully I have been pretty consistent at putting money in my 401(k) accounts for the past 15 years, even though I didn’t really understand why. Read more… »

Manifesto

Live as if you were to die tomorrow. Learn as if you were to live forever. – Mahatma Gandhi

Learn about the Past, Present and Future

The Past

My journey really started here started on December 11, 2017. I moved for my job and had lived in a different state for about 3 of the previous 4 years. My wife of 13 years and I were splitting up. We had two kids that were not even teenagers yet. I was moving into a rental by myself to live by alone for the first time in about 15 years. Thankfully, my wife and I were on relatively good terms, We decided to share custody of our 2 wonderful kids.
I learned I was $65,000 in debt after we agreed who was going to be responsible for which debts that we had. I had been reading and listening to Dave Ramsey for about 4 months at this point. Dave Ramsey was pivotal in helping me learn where to start. He gave me a plan to get rid of this debt.
Unfortunately, I was a commission employee starting back up in a new area. It didn’t take me long to realize that this was going to be very difficult. I had a chunk of money in a Rollover IRA and in a 401k. The amount in my savings account was $0. I wasn’t so sure how much money I would make over the course of the next year or so. I also wasn’t really sure what my expenses would look like in a new rent home.
I had 2 kids that were living with me every other week and a dog that was with me all of the time. The other unknown was that I had a very long commute to work. My wife and I wanted to make sure that our kids were in the school that we wanted them to be in. I wanted to live somewhere in that school district to make getting them there as convenient as possible.
It was also important to me for my kids to be able to see their friends from school as easily as possible when they were staying with me. Due to this, I was commuting to work 60 miles each way. Thankfully, I had a paid for car. We had paid off both of our cars before we split up so neither of us would have a car payment. My car got excellent gas mileage (25-30 miles per gallon). That being said, I didn’t prepare for how much I would be spending on gas and how much time I would be spending in the car.

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