“Everyone arrives someplace.  Few get there on purpose.”  This is a quote I heard a couple weeks that finally inspired me to start this blog.  I do not know who the original author is but that simple statement holds significant truth when we consider personal finance. 

Every day we see people strapped with credit card and consummer debt.  Mortgage defaults and forclosures are hitting records levels.  No one is immune not even familiy and friends.  I believe most of the problems come from poor planning and lack of financial knowledge. 

Admittedly, I am no expert on financial planning or investing.  But with some work I was able to develop a variety of good financial habits and a well rounded knowledge of financial planning and investing.  I’d like to share with my readers what I have learned and my experiences over the years. 

I am happy to say I am debt free except for my house mortgage.  Being debt free is no acident.  It has taken a lot of planning, patience, and learning to get to where I am.  My journey is not over yet though.  There is still a long ways to go.  I still have a lot to learn from and share with anyone who will listen.