How to Succeed at Budgets Without Really Trying

While a few people in the personal finance blogosphere might truly believe that budgets are sexy, most people probably think of budgets as a pain in the ass, and I would tend to agree.  The thing is, however, if you have ambitious savings goals, you probably really need a budget to help you stay on track.

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About The Author

James Flannel Guy ROI's picture

Portland, Oregon-based Flannel Guy ROI is a working dude and family man that likes flannel shirts and wants to achieve financial independence a little sooner than most, particularly by making smart spending decisions and living intentionally. 

His overall idea is to look at spending decisions as investments: what decisions will return the most value to you over time? 

Each scenario is evaluated over a 10-year horizon with the following summary statistics:

Present value – what is the total value of your investment and expected returns in today’s dollars?
Return on investment (ROI) – how much of your original investment will you make back?
Payback period – how long will it take you to recoup your original investment?

Learn more at www.flannelguyroi.com

Why It Pays to Bring Your Lunch to Work

I bring my lunch to work every day except for the occasional Friday when I go out with my coworkers.  This is pretty hard for me because restaurants are the Achilles heel of my household budget, well, that and travel.  I love a nice meal, especially one with friends, so I figured that I would make sure the view was worth the climb.

I can now definitively say that it is worth it for me to bring my lunch to work.  I am probably saving about $1,800 per year by bringing my lunch to work.

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About The Author

James Flannel Guy ROI's picture

Portland, Oregon-based Flannel Guy ROI is a working dude and family man that likes flannel shirts and wants to achieve financial independence a little sooner than most, particularly by making smart spending decisions and living intentionally. 

His overall idea is to look at spending decisions as investments: what decisions will return the most value to you over time? 

Each scenario is evaluated over a 10-year horizon with the following summary statistics:

Present value – what is the total value of your investment and expected returns in today’s dollars?
Return on investment (ROI) – how much of your original investment will you make back?
Payback period – how long will it take you to recoup your original investment?

Learn more at www.flannelguyroi.com

Working From Home to Save Money

How much money could you save by working from home, or to put it differently, how much of a pay cut would you be willing to take to work from home?  Answer: $106,000 over 10 years, over 2 times the average American salary.  Unfortunately, quality work-from-home opportunities are not always easy to come by.

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About The Author

James Flannel Guy ROI's picture

Portland, Oregon-based Flannel Guy ROI is a working dude and family man that likes flannel shirts and wants to achieve financial independence a little sooner than most, particularly by making smart spending decisions and living intentionally. 

His overall idea is to look at spending decisions as investments: what decisions will return the most value to you over time? 

Each scenario is evaluated over a 10-year horizon with the following summary statistics:

Present value – what is the total value of your investment and expected returns in today’s dollars?
Return on investment (ROI) – how much of your original investment will you make back?
Payback period – how long will it take you to recoup your original investment?

Learn more at www.flannelguyroi.com

Myth: Money Comes and Goes

When we say money comes and money goes it implies that money has a mind of its own. Like we do. We wake up and plan our day. We are going here. We are going there. We are either coming, going, or not. We are in charge of our going and coming. Sure we have obligations, but we still choose how we handle them. We choose when we come and when we go.

Let’s get back to money coming and going.

Does money really choose where and when it is going? Coming?

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About The Author

Lynell Green's picture

Lynell Green is an Entrepreneur and business professional with over 25 years of business and real estate experience. After graduating from the University of Hawaii with a degree in Accounting, Lynell was part of the Audit team at Coopers & Lybrand and went on to take various financial positions in the entertainment sector. She has been involved in numerous entrepreneurial endeavors including owning Bread of Life Christian Bookstore, JC Enterprises and numerous real estate ventures.  She graduated from USC’s Ross Minority Real Estate Program where she found her passion for land use and how it impacts the lives of people.  She is the President of the Lynell Real Estate Group where the mission is to build, restore and sell real estate to create financial freedom for investors and improve the quality of life in the communities she works in.  She also teaches courses to improve financial literacy and to encourage people to pursue their dreams as a means to financial independence.

The Thrill Is Gone: How to Catch Up to Your Finances

“2015! This is the year that I create and keep my financial goals. This is the year I save a percentage of everything I earn. This is the year that I get out of debt. This is the year that I cut up my credit cards. This is the year that I cook more and go out to eat less. This is the year that I follow my game plan towards financial freedom. This is the year…”

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About The Author

Lynell Green's picture

Lynell Green is an Entrepreneur and business professional with over 25 years of business and real estate experience. After graduating from the University of Hawaii with a degree in Accounting, Lynell was part of the Audit team at Coopers & Lybrand and went on to take various financial positions in the entertainment sector. She has been involved in numerous entrepreneurial endeavors including owning Bread of Life Christian Bookstore, JC Enterprises and numerous real estate ventures.  She graduated from USC’s Ross Minority Real Estate Program where she found her passion for land use and how it impacts the lives of people.  She is the President of the Lynell Real Estate Group where the mission is to build, restore and sell real estate to create financial freedom for investors and improve the quality of life in the communities she works in.  She also teaches courses to improve financial literacy and to encourage people to pursue their dreams as a means to financial independence.

My Slow Cooker is Saving Me $6,000 Per Year!

Eating out is awesome! I live about three blocks away from burger joints, Mexican, Japanese, Italian, Korean, and not one but TWO Thai food restaurants. It’s no wonder I loved going out for lunch every day. That was until I realized how much money I was actually spending.

The Problem:

For a while, I was going out to lunch every day and in doing so, I would spend an average of $11 per meal. So every week, I would spend $77 on lunch. Not too bad, right?

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About The Author

Armando Torres's picture

Armando Torres is an aspiring filmmaker, photographer, and blogger. As part of the evox team, he is dedicated to sharing the stories of individuals, organizations, and communities who are changing the world. When he’s not working, Armando spends his free time creating found footage videos, taking photos, going to concerts, collecting vinyl records, and lounging around with his cat, Pablo Escobar.

How Coffee Shops Have Changed the Way I Work From Home

There’s no question that working from home has its perks — free coffee on tap, no commute (which contributes to a lower carbon footprint!), and the freedom of working in your pajamas all day long if you really want to.

However, if you’re anything like me; owner of a needy cat, comic book fiend, Netflix addict, then you know that working from home can tempt even the biggest workaholic. With these distractions silently gnawing at your productivity throughout the day, how the heck are you supposed to get any work done?

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About The Author

Armando Torres's picture

Armando Torres is an aspiring filmmaker, photographer, and blogger. As part of the evox team, he is dedicated to sharing the stories of individuals, organizations, and communities who are changing the world. When he’s not working, Armando spends his free time creating found footage videos, taking photos, going to concerts, collecting vinyl records, and lounging around with his cat, Pablo Escobar.

Your Brain on Business: How to Tap Your Full Potential

Did you know that western society and education may set you up to fail as an entrepreneur? Starting and managing your own business requires us to access our full potential as human beings, however most of us go into business with a brain handicap.

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About The Author

Stephanie Staidle's picture

Stephanie Staidle, founder of The Right Brain Academy, is a licensed art therapist and life performance coach who works with individuals to unlock their highest potential by tapping into an underused resource called right-brain thinking. Using techniques based in neuroscience, her methodology gets you UNSTUCK and moving in the best direction to make the changes you need to create a life of fulfillment and abundance, fast. Stephanie has been featured as an expert on NBC, Tedx, and has led full workshops at SXSW 2014 in Austin, TX and SXSW V2V 2015 in Las Vegas. Get her complimentary 3-part video training series HERE and learn scientifically proven methods to train your brain for success.

Debt-Free for the Holidays - When Living Expenses Create Debt

DEBT-FREE FOR THE HOLIDAYS

Don’t beat yourself up. Don’t make yourself wrong. You may have gotten in over your head and you started using credit cards to pay your rent or your mortgage. You may be using credit cards to pay your car note and your utilities. You may be buying food for your family on credit. You may be using credit cards to pay other credit card bills.

You may not see any other way to manage your obligations right now.

Times may be tough but you can’t put your head in the sand.

5 Steps to get started:

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About The Author

Lynell Green's picture

Lynell Green is an Entrepreneur and business professional with over 25 years of business and real estate experience. After graduating from the University of Hawaii with a degree in Accounting, Lynell was part of the Audit team at Coopers & Lybrand and went on to take various financial positions in the entertainment sector. She has been involved in numerous entrepreneurial endeavors including owning Bread of Life Christian Bookstore, JC Enterprises and numerous real estate ventures.  She graduated from USC’s Ross Minority Real Estate Program where she found her passion for land use and how it impacts the lives of people.  She is the President of the Lynell Real Estate Group where the mission is to build, restore and sell real estate to create financial freedom for investors and improve the quality of life in the communities she works in.  She also teaches courses to improve financial literacy and to encourage people to pursue their dreams as a means to financial independence.

Debt-Free for the Holidays: Economic Reality Check

Debt-Free for the Holidays: 
An Economic Reality Check

We are all familiar with the term “reality check”. It’s what we ask from ourselves and others when we suspect a disconnection from reality. When we suspect that the glasses we are looking through have been overtaken by seagull poop and the ability to see what is really going on is limited.

Tags: 

About The Author

Lynell Green's picture

Lynell Green is an Entrepreneur and business professional with over 25 years of business and real estate experience. After graduating from the University of Hawaii with a degree in Accounting, Lynell was part of the Audit team at Coopers & Lybrand and went on to take various financial positions in the entertainment sector. She has been involved in numerous entrepreneurial endeavors including owning Bread of Life Christian Bookstore, JC Enterprises and numerous real estate ventures.  She graduated from USC’s Ross Minority Real Estate Program where she found her passion for land use and how it impacts the lives of people.  She is the President of the Lynell Real Estate Group where the mission is to build, restore and sell real estate to create financial freedom for investors and improve the quality of life in the communities she works in.  She also teaches courses to improve financial literacy and to encourage people to pursue their dreams as a means to financial independence.

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wooden watch face in sepia tones
08/23/2015
How many of you are working from a schedule? Some kind of schedule? There are many different ways to approach your schedule. Some of you, I am sure, would rather be very spontaneous. So... read more
happy man with small puppy at pool
07/05/2015
This blog is loosely about the best way to spend your time and money.  That is a pretty loaded statement, so let me break it down a bit.  By best way to spend your time and... read more
colorful pie chart
06/21/2015
While a few people in the personal finance blogosphere might truly believe that budgets are sexy, most people probably think of budgets as a pain in the ass, and I would tend to agree... read more
black lunch pail with red thermos
06/07/2015
I bring my lunch to work every day except for the occasional Friday when I go out with my coworkers.  This is pretty hard for me because restaurants are the Achilles heel of my household budget... read more
two laptops on kitchen table
05/24/2015
How much money could you save by working from home, or to put it differently, how much of a pay cut would you be willing to take to work from home?  Answer: $106,000 over 10 years, over... read more
ten and twenty dollar bills piled
03/08/2015
When we say money comes and money goes it implies that money has a mind of its own. Like we do. We wake up and plan our day. We are going here. We are going there. We... read more
illustrated red and white calendar on black background
03/01/2015
“2015! This is the year that I create and keep my financial goals. This is the year I save a percentage of everything I earn. This is the year that I get out of debt. This is the year that I cut up... read more
slow cooker graphic with colorful backdrop
02/22/2015
Eating out is awesome! I live about three blocks away from burger joints, Mexican, Japanese, Italian, Korean, and not one but TWO Thai food restaurants. It’s no wonder I loved going out for... read more
over the shoulder of man working on laptop at cafe
02/15/2015
There’s no question that working from home has its perks — free coffee on tap, no commute (which contributes to a lower carbon footprint!), and the freedom of working in your pajamas all day long if... read more

Pages

wooden watch face in sepia tones
08/23/2015
How many of you are working from a schedule? Some kind of schedule? There are many different ways to approach your schedule. Some of you, I am sure, would rather be very spontaneous. So... read more
happy man with small puppy at pool
07/05/2015
This blog is loosely about the best way to spend your time and money.  That is a pretty loaded statement, so let me break it down a bit.  By best way to spend your time and... read more
colorful pie chart
06/21/2015
While a few people in the personal finance blogosphere might truly believe that budgets are sexy, most people probably think of budgets as a pain in the ass, and I would tend to agree... read more
black lunch pail with red thermos
06/07/2015
I bring my lunch to work every day except for the occasional Friday when I go out with my coworkers.  This is pretty hard for me because restaurants are the Achilles heel of my household budget... read more
two laptops on kitchen table
05/24/2015
How much money could you save by working from home, or to put it differently, how much of a pay cut would you be willing to take to work from home?  Answer: $106,000 over 10 years, over... read more
ten and twenty dollar bills piled
03/08/2015
When we say money comes and money goes it implies that money has a mind of its own. Like we do. We wake up and plan our day. We are going here. We are going there. We... read more
illustrated red and white calendar on black background
03/01/2015
“2015! This is the year that I create and keep my financial goals. This is the year I save a percentage of everything I earn. This is the year that I get out of debt. This is the year that I cut up... read more
slow cooker graphic with colorful backdrop
02/22/2015
Eating out is awesome! I live about three blocks away from burger joints, Mexican, Japanese, Italian, Korean, and not one but TWO Thai food restaurants. It’s no wonder I loved going out for... read more
over the shoulder of man working on laptop at cafe
02/15/2015
There’s no question that working from home has its perks — free coffee on tap, no commute (which contributes to a lower carbon footprint!), and the freedom of working in your pajamas all day long if... read more

Pages