This week’s Money Master is Kalen from MoneyMiniBlog. Kalen’s moto is “keep it simple,” which we appreciate. Personal finance and money scare too many people and they shouldn’t. Kalen keeps it simple and is a great Money Master.
Check out his comments below and then visit his site!
1. What’s your story?
My wife and I were $24,000 in consumer debt before we decided that debt wasn’t much fun. I decided that since I was the primary one who got us into the mess, I would be the one to get us out. I started reading every finance book I could find to learn everything I could about getting out of debt, spending, saving, investing and ultimately building a legacy.
Two years later we were debt free. My process of self-educating through books, audio and video teaching paid off. After we were debt-free, I decided to fulfill a life-long dream of joining the United States military – something that debt held me back from doing. I talked to my wife and she was on board. I dropped 50 pounds to meet enlistment standards and went off to Basic Training for the United States Air Force.
Once I joined the military, we made the decision to adopt a sibling group (brother and sister). Of course as fate would have it, as soon as we decided to adopt, my wife got pregnant. We are now a very happy family of six. Our four children are such a blessing and we practice daily gratitude and give thanks to God for creating our story.
Today we are defying millennial laws by having no debt and four children…and we love every minute of it. We are building wealth by living within our means and spending wisely. Now I am dedicated to teaching others how to do the same. It is possible to live a debt-free life. It is possible to build wealth on any income. Most importantly, it is possible to do the things you’ve always wanted to do, but sometimes it takes sacrifice.
2. What’s your point of view, as a personal finance blogger?
As a personal finance blogger, I aim to simplify everything that has been complicated within the financial realm. Getting out of debt, budgeting, saving money and investing can be easy if you have the discipline to make it happen. That’s why I don’t just write about money; I also focus on productivity, habit-building and self-discipline. You can’t have one without the other.
I write short articles that are packed with information. I edit my articles like a Hollywood film. You could spend all day going through my “deleted scenes”, but I think it’s important to only include the most relevant, useful and pertinent information. If it doesn’t have to be included, it won’t be. That’s why you’ll rarely find an article over 1,000 words on my blog.
3. In one sentence, what’s one piece of sage advice you can share with our readers?
Don’t over-complicate your finances by thinking you need a professional or someone with a degree to tell you what to do; you can educate yourself for free through the internet and the public library – take advantage of that!
I know I kind of cheated on the one sentence thing with a semi-colon and a dash! Still counts, right???