Personal Finance Insights

One of the things that has gotten me into trouble time and time again is the whole idea of debt. I do know about you but when I grew up while my parents gave me a pretty good financial education they really never trained me on debt, what it is, and how all that it can really be for you if used improperly.


so really, this site is about my personal finance journey, nothing professional by any means but, at the same time this is kind of what I've gone through and this is what I've learned over all.

I'd love to hear from other people in their own observations and everything about, whether it's about investing or debts, or mortgages or just their own struggles to pay bills on a daily basis.

In my mind has become incredibly complex in the last couple years, make that the last couple decades. What used to be a simple as putting aside a little bit of money every month to save up for a retirement one day has become a litany of investment choices, pitfalls with depth, and things are just making when I make your head spin.

(Gota go get rid of the credit cards!)

For me, honestly I got myself into over $30,000 worth of debt, just by not being vigilant and really just poor use of micro cards. Not that I'd had a lot of frivolous purchases, but by using them carelessly and not managing how it was using them and when I was spending them on, over the course of just a cute short years, the debt became very very big unfortunately.

Couple that the mortgage, two little kids, and all he expenses that come with that it became almost unsurmountable in my opinion. But it doesn't have to be, and doesn't need to be.

So with all that said, let's get the party started, and share our personal financial insights.

James