This site was created for the average family to find financial resources with a conservative slant. By “conservative slant” I’m not referring to politics, rather the “conservative” approach to personal finances. My Basic Philosophy I hate debt. I don’t like risk. I tolerate credit card companies. I don’t like these financial “gurus” out there giving advice for the sole purpose of selling lousy investments. You know, it could be said that my advice is simply common sense. However, in a countr...

This site was created for the average family to find financial resources with a conservative slant. By “conservative slant” I’m not referring to politics, rather the “conservative” approach to personal finances.

My Basic Philosophy
I hate debt. I don’t like risk. I tolerate credit card companies. I don’t like these financial “gurus” out there giving advice for the sole purpose of selling lousy investments. You know, it could be said that my advice is simply common sense. However, in a country where common sense left the financial world long ago, I felt a calling to remind people of some very basic principles. Spend less than you make; save money for a rainy day; live debt free. I know, I know, earth-shattering ideas here, huh?

I’ve Paid My Share of “Stupid Tax”
So what in the world qualifies me to impart my opinions on the topic of personal finance? Honestly, the most important qualification is that I have had my share of money screw-ups in the past. At the time I had what I thought were justifiable reasons for getting into debt (college, family illnesses, etc.). However, looking back I was just impatient. I could have waited on college until I could better afford it. I should have had an emergency fund established to handle family illnesses and emergencies. I was ill-prepared, and admittedly immature. Hopefully by sharing some of my past, and my thoughts on a brighter financial future, you will avoid these same mistakes.