Why Denying Yourself Doesn’t Work In Diets or Personal Finance

“It’s not denial. I’m just selective about the reality I accept.” –Bill Watterson Several years ago, my wife decided that she wanted to try the South Beach diet. For those of you who have never tried it, the diet involves two weeks of pretty serious food detox followed by a gradual reintroduction of some foods […]

4 Ways Monkey Brain Needs Convincing

“Persuasion is often more effectual than force.” –Aesop A few of you know that I went to law school for a year at the University of Virginia. It only took a year for me to decide that spending days upon days in law firm libraries was not the life I’d envisioned it to be (or […]

Use Anti-motivation to Pay Down Debt

“People often say that motivation doesn’t last. Well, neither does bathing – that’s why we recommend it daily.” – Zig Ziglar A common theme of thriller movies where the good guy is trying to get someone to do something distasteful is the use of the envelope. It’s the one that’s locked in the safety deposit […]

Want to Reduce Your Debt? Think Like a Cocaine Addict!

“Cocaine is like really evil coffee.” –Courtney Love The steps of getting out of debt are pretty simple. Budget. Spend less than you earn. Put the difference towards debt. Rationally, it’s not particularly difficult to envision the path to getting out of debt. However, like losing weight (take in fewer calories than you expend) or […]

Monkey Brain Doesn’t Want to Pay Loans Back

“You loan your friend money. You see them again, they don’t say nothin’ ’bout the money. ‘Hi, how ya doin’? How’s ya mama doing?’ Man, how’s my money doin’?” –Chris Rock When I ran a software development company, we had quite a rapid spurt of growth. We had to take on a lot of new […]

Should You Work With Me If You Have a Lot of Debt?

“Knowing what you aren’t is just as important as knowing what you are.” –Me I recently received an e-mail from someone who had a significant amount of debt and wondered if I was the right person to work with them. In short, the answer is no. You’re better off spending your limited resources on a […]