What’s With All the Garbage?

There is one particular routine that occurs around the Urbaniak household every 8 days, or so: The city sends us a reminder email around suppertime. My wife and I discuss it then promptly forget about it. At bedtime we say, “Oh shoot – don’t forget that email!” And then comes the mad scramble running through […]

Why the Rush? Add Margin to Your Life

Are you that guy zig-zagging through traffic, gunning it off the light in the hopes of making it across town a couple of minutes faster? (I’m ashamed to admit that that’s me sometimes.) Constantly checking emails on your phone even when you’re eating dinner with family or friends? (Definitely won some awards on that one.) […]

Raise Kids Without Spending a Fortune

Raising kids does not have to be a financial disaster. Why? Because kids aren’t expensive. Parents make them expensive. I’m not sure who coined that phrase. I’ve seen variations of it pop up all over the place. But one thing is absolutely certain: Raising kids costs more money than not raising kids. Simply put, there […]

Be the Agitator

While walking across the parking lot after work recently, a colleague asked me how my day went. I don’t normally write about work specifically. It’s a dangerous line to cross. In fact, I have many, many interesting things to say that would probably get me into varying degrees of trouble, so I’ll keep my mouth […]

Why Not Reframe What Your Money is Worth?

How much is a dollar worth? More specifically, how much is a dollar worth to you? This could quickly lead to a conversation about inflation and purchasing power, or to a comparison to other currencies, or to an even more philosophical discussion about value. But why not reframe the question and use “real” things to […]

Merry Christmas from Our Family to Yours!

Merry Christmas! As we all (hopefully?) relax and spend quality time with family and friends this week, I would like to encourage you to take some time for yourself to reflect on your life. Are you happy with where you are? Is the road ahead bright and sunny? Or is there sadness and uncertainty clouding […]