Hope for your financial life and beyond

Ways We Lie About Money

Have you ever told a little white lie about money? What might a “money-lie” look like? Here are some examples I could think of:

*Exaggerating your net worth or monthly income on a blog post.

Woman Quiet

Photo courtesy of FreeDigitalPhotos.net

*Saying you got a better deal on an item than you really did.

*Telling someone who asked for money that you didn’t have any with you to give (ashamed to say I’m guilty here).

*Pretending you gave more to a cause than you actually did.

*Hiding or covering up your spending habits. (Guilty here as well and as you can read about here).

*Failing to report income earned in cash on your tax forms.

Why are we so apt to distort the truth? I think the core of the issue revolves around three main principles:

[Read more…]

I’m Turning 40 – Now What?

turning 40Is it taboo to discuss your age on your blog? If so, I’m engaging in a major faux pas today as I announce that it’s my birthday and I’m turning 40. Woo-hoo! Let’s here it for all the middle age guys out there!

I’ve always heard life starts going down hill after turning 40. I’m not sure why people say that. Is it because the average life span in America is 78, so in the mind of most people, your half way home? Is it because people believe the “fun” times of young adulthood – like partying on spring break or at Mardi Gras – are over?

Or is it perhaps that your body starts to catch up with you as more aches and pains come each morning as you roll out of bed?

Now that I’m here, I’m feeling like I don’t want to buy into the pessimism of what I’ve heard.

Thoughts on Turning 40

In the past year, I’ve done three new and remarkable things:

[Read more…]

How Far Would You Go To Get What You Want?

Darth VaderEver been around someone who is never satisfied? It doesn’t matter how much they have they always want more. Contentment is a foreign word to them.

There is a delicate balance between being content and striving for more and the two seem to compete against one another. Being content is an inner attitude that has a lot to do with a peaceful state of mind. Striving for more is an action that outwardly suggests you aren’t entirely settled with your present circumstances.

In all honesty, I’m not sure where the boundary line is drawn. I think, however, I might be able to figure out when somebody crossed the line, like in this story.

[Read more…]

For the Love of Money

VaultI brought this post out of The Vault today to do two things:

1) to remind myself on this Valentine’s Day the trap that awaits when I choose to put my affection in the wrong place and,

2) to introduce a new feature on Luke1428 called “Theology Thursdays.” It is my goal for Thursday’s post to include a spiritual perspective as it relates to our responsibilities towards money, wealth and personal finance.  Hopefully that will be a blessing to you as I share what is on my heart.

So with that introduction, re-enjoy “For the Love of Money” (first appeared on Aug. 3, 2012). 

————-

“Money money money money, MONEY!”

“Some people got to have it…some people really need it…Hey, listen to me, y’all do thangs, do thangs, do thangs – bad thangs with it.

Well, you wanna do thangs, do thangs, do thangs – good thangs with it…talkin’ about cash money…

[Read more…]

Stop Flirting – 20 Signs You Might be Ready to Get Serious About Money

Engagement RingFrom across the room your eyes meet. He flashes a million dollar smile and gives you a wink. He looks away and you think the brief encounter over. But then, he slyly looks back.

Your heart is racing. Clearly he is communicating something, but is this an act perpetuated on you to satisfy his amusement? Or is he testing the waters, seeing where you stand? Does he have something to offer that could change your life forever?

You’ve been preparing for this type of moment for a while now but a part of you can’t believe what you are about to do. With a twirl of your hair and a sideways nod of your head, you motion for him to join you. Without a moment’s hesitation, he heads in your direction.

What should you say when he arrives? Will others think you are crazy for going after someone you hardly know? You’ve spurned his advances before but could he be the man who will fulfill all your dreams?

[Read more…]

Gambling on the Super Bowl – What I Didn’t Know

Football and MoneyThe culmination of the 2012 NFL season is just a few days away. The Baltimore Ravens and the San Francisco 49ers have made their way to the final table and are busy making preparations for Super Bowl XLVII in New Orleans. I will be one of countless millions from around the world watching from the comforts of their home. I’ll enjoy being with my family, course after course of great food and hopefully some great commercials.

This year, I will watch as a casual, relaxed observer because I couldn’t care less about either of these teams. But I’ll watch anyway just because the Super Bowl is the biggest sporting event of the year. It’s must see TV in my book.

Another reason I won’t feel any tension is because I won’t have anything riding on the game in someone else’s book. That’s right…no bets on the game in my house.

[Read more…]

Bikes, Lies and Video Games

 

Boyd Cleaners

Blue summer skies. Perfect temperature. What a great day to ride my bike, shoot some hoops or maybe even chase the dog around the yard.

I would do all those things later. Right now, I had bigger things on my mind – Boyd Cleaners and Pac-Man. I opened the garage door, grabbed my bike and sped off down the alley.

One minute later I arrived at the side door of the cleaners near the drive-thru pickup. I opened the door and headed to the change machine to convert my dollar bill into usable coinage. When I turned around, I was met with the site of something that would change my life to this day.

Sitting next to my beloved Pac-Man was a new video game – Kangaroo.

[Read more…]

Talking Ourselves Into Trouble: “Ain’t Nobody Got Time For That”

Fast PorscheOur culture moves at breakneck speed. News happens fast, food is served fast, and medicines to deal with our bronchitis act fast. Technology may move the fastest of all. It seems as though new devices are released everyday. And just when you think you have caught up, you are already behind.

The pace of life and the urge to keep up creates tension with our finances. We develop faulty thinking and succumb to spending money we don’t have. Poor logic and impulsive decisions often get us into financial trouble that can take years to work through.

Truth is, there are mechanisms we could use to prevent us from getting into financial trouble but we talk ourselves out of using them. Ever had any of these thoughts run through your mind?

[Read more…]

I’m at the Top of the Hill…Should I Go On?

Hilly RoadI’ve been running consistently now for almost two years. In that time, I have learned that runners face many mental and physical challenges. From the everyday muscle aches and pains, to the mental exhaustion of a four-hour marathon, to getting yourself out of bed for that 30-degree winter morning run, there is much to overcome.

The obstacles we runners may despise the most are hills. I don’t mean gradual inclines in the road or the gentle rolling hills you can fairly manage. I’m talking about the long, steep, crush-your-pace kind of hills that make your heart feel like it’s going to pound out of your chest as you climb to the peak. These are brutal especially when multiple ones are strung together in a short distance. Up and down, up and down, peak then valley, peak then valley…ugh!

I’ve had a lot of experience running hills because they surround me where I live. I’m actually thankful because by running them, I have been better prepared on race day. During all my training though, I have found this to be true – it’s both exciting and intimidating at the top of a hill.

[Read more…]

Fall in Love With Work (Again)

Patched HeartAre you in love? Perhaps it’s that special someone you’ve chosen to share your heart and soul with for the rest of  your life. Or maybe it’s that favorite caffeinated beverage you must consume each morning to jump start your day. I’m sure others (not me) are completely in love with one of the two teams who will be pursuing the BCS Championship on Jan. 7th.

What about your work? Are you enjoying the daily grind of your career? That’s a tougher question for many people to truthfully answer.

[Read more…]

What I Learned About Blogging From My First 50 Posts

Blog WorldWe can learn by reading and studying a topic, but nothing serves as a better teacher than experience. There comes a time in any endeavor when you are required to gain that experience by jumping in with both feet. I chose to jump this past July when I started Luke1428.com.

Last Friday, I wrote about the 4 things my first 50 blog posts taught me about myself. Today, I would like to share 6 things my first 50 posts taught me about blogging.

[Read more…]