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Disclaimers of Affiliation and Privacy Policy is a site set up with the intention of entertaining, teaching and helping others. I want to motivate others to work hard and achieve their financial goals. I also want to motivate myself.

This is also a personal journal meant for myself and posterity, cataloging the events leading up to our freedom from debt as a family. More for science and to see if it really works, I have set up the blog to run some Google AdSense advertising on the site. I am also an Amazon Affiliate.

Privacy may be on your mind. 

Google AdSense 

 The ads that appear are sponsored ads by Google AdSense (They are labelled as “Ads by Google”). I do not personally endorse the products and services advertised in these products. I am not affiliated with those companies. That's all Google. In other words, commission/profits are generated from Google for displaying these ads. I assume no liability for products purchased from third-party websites or sponsor ads. Please make sure you read the terms and conditions of any product before you purchase.

Amazon Affiliation

As an Amazon Affiliate, I may link to products on their website. If you or anyone else purchases through an affiliate link, I receive a small commission. If it goes to Amazon, assume it is affiliated. However,  I recommend only those products that I use myself or that I feel would benefit readers.

If you have questions about any affiliations on this website/blog, please don’t hesitate to contact me. I’ll be happy to clarify or provide additional details if necessary.


Any other mention, recommendation or link to a product or service not mentioned above is non-affiliated, a.k.a., the only payment I receive is the satisfaction of sharing it. I don't get a cut, and if I'm not affiliated, I don't want one. But it's still good enough to recommend.


The DoubleClick cookie is used by Google in the ads served on the websites of its partners, such as websites displaying AdSense ads or participating in Google certified ad networks. When users visit a partner's website and either view or click on an ad, a cookie may be dropped on that end user's browser. That's you. 
  • Third party vendors, including Google, use cookies to serve ads based on your prior visits to this website.
  • Google's use of the DoubleClick cookie enables it and its partners to serve ads to you based on your visit to this site and/or other sites on the Internet.
  • You may opt out of the use of the DoubleClick cookie for interest-based advertising by visiting Ads Settings. (Alternatively, you can opt out of a third-party vendor's use of cookies for interest based advertising by visiting
I also use Google Analytics. 


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5 Things Every Pizza Delivery Driver Needs for Success

Updated: 2/1/2016.

“How many times has Dave Ramsey said, ‘Deliver pizzas’?” Said someone on the Dave Ramsey forums.The answer is: lots.I hear it often when I listen to his show. That and ‘sell the car.’ (Car payments KILL people’s wealth-building income every month. )Since first posting this list back in December of 2014, I’ve heard great, quality responses and suggestions. The original list of five things has been updated as follows:A kit for receipt convenienceA fuel efficient car with an accurate GPSA need for speedThe “Wow!” extrasA smileThese tips apply no matter what company you drive for. (No pun intended.)Let’s learn something.1. You need a kit for receipt convenienceDon’t underestimate the power of a simple receipt kit. It is as follows:A clipboard. A suitable pen for your clipboard. A cheap, small flashlight with a clamp or a tether.A clipboard and pen are must-haves. It is easier on you. It is easier on them. Not having one demands more of a hungry customer than is necessa…

Happy Thanksgiving

Happy Thanksgiving.Wanted to talk about being a turkey today. But first, here's a recap of the Baby Steps used in Dave Ramsey's Financial Peace University.Baby Step 1: $1,000 cash in a beginner emergency fundBaby Step 2: Use the debt snowball to pay off all your debt but the houseBaby Step 3: A fully funded emergency fund of 3 to 6 months of expensesBaby Step 4: Invest 15% of your household income into retirementBaby Step 5: Start saving for collegeBaby Step 6: Pay off your home earlyBaby Step 7: Build wealth and give generouslySo we're on step 3. How's it going?It's not.What we're doing now is akin to what happened a lot between baby steps 1 and 2: Save up your $1,000 emergency fundHave an emergencyRepeatExcept we haven't had emergencies. We maintain the $1,000 EF month to month and manage other storms. We've had to repair some vehicles, sure. We also have more income now than we did. We were forking over hundreds to creditors not long ago. Now we can …

We're debt free.

Ladies and gentlemen, we are debt free.