Born and raised in Pennsylvania, I moved to Denver CO in 1999 shortly after graduating from Bloomsburg University. My original motivation for moving to Colorado was snowboarding the great Rocky Mountains. During this time, I acquired the majority of my debt. My income was okay, but outflow was horrible. I simply lived beyond my means and it eventually caught up with me.
After a year of play, I landed a job at a Fortune 500 financial services firm as a customer service representative. Over the years, I acquired a number of industry licenses and dabbled in trading, advice, sales, compliance and business strategy. My income was better, but I still lived beyond my means while I attempted to take tiny bites out of my debt.
Despite having had thirteen years of combined experience working in financial services between my partner, David Auten, and me, we were financial messes. We realized in 2004 that we needed to do something about our financial situation. We were two thirty-something professionals with $51,000 of combined credit card debt, living in a basement apartment. After reaching our rock-bottom, we made the decision to not continue on the road we had been for so long. Now we're out of debt and use our blog (www.DebtFreeGuys.com) and our books to help others becoming #MoneyConscious and financially independent.
I now have fourteen years of experience in financial services in both retail and institutional investing. I have my Master's Degree in Business Administration and am Series 7, 63, 9, 10, 66 and 24 licensed. David and I have now published three eBooks in our #MoneyConscious Series and have a fourth, hard copy book scheduled for release towards the end of 2014 and another eBook in early 2015.
The mission of the Debt Guys is to help everyone become #MoneyConscious resulting in eliminating their debt, living a debt free life and empowering them to achieve financial success by virtue of the universal principles discovered by us through our own financial mistakes, victories and professional training.
Emails us, visit our blog or connect with us on Facebook, Twitter, Google+ or Pinterest to help yourself be #MoneyConscious and achieve financial independence.
In 2006, we got the bug to stop renting and buy our own home. Who didn’t, then, right? Like most couples, we wanted a place of our own. We first educated ourselves on the process and the real estate market in the Denver Metro Area. We didn’t want to live far outside because this is a great location between our work, family and friends.
We talk a lot about managing our grocery budget. It makes achieving financial goals easier. As of 2012, the average household spends 9% of its income on groceries. This doesn’t include eating out (restaurants, shops or work/school cafeteria), household products or pet food. This is a significant portion of our budgets.
Why is it that some people have drive and others don’t?