How much is your credit card stealing from you?

You may be wondering why I’m obsessing so much about credit cards these days.  Don’t worry — the feeling is mutual.  If I had to specify why, it would probably be related to how the cash back you receive from buying things is about the easiest passive form of income you could ever find.  You’re literally changing nothing about your behaviour except which cards you sign up for and use.  And the payback can be massive — this post intends to show how massive.

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The $1500 Purging Challenge

Anyone who’s known me for more than 10 years knows that I’m a recovering memento-aholic.  I was the kid who had thoughtful and organized collections of bottle caps, sports cards, shiny rocks, keys, and things that looked like fossils.  I’m quire sure I carry a genetic marker that forces me to hang on to things.  This article is about simultaneously breaking these bonds of clutter and turning junk into liquid wealth.

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Your big brand internet access is costing you $57,000

A recurring feature I’ve planned for this blog is a series on Budget Hacks, of which this post is the first installment. In these posts I’ll spotlight one particular element of most people’s monthly budget and outline ways to materially hack away at each. Today we’ll be looking into internet service providers (ISPs for short) and how overpaying for this fundamental service can seriously impact your net worth over time.
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Welcome friend, I have a new blog!

Hello — I’m Michael, the pensive-looking fellow on the left!

I’ve been married to my favourite person for 7 years, owned two dogs with questionable hygiene, and am about to embark on parenthood.

Because I’m the oldest possible age where a person can still be classified as Generation Y, I am the self-declared “Elder of the Millennials”.  This status also means I’ve spent a lot of time making very questionable decisions.

I’m a data person.  In a former life I wrote a hockey analytics blog and moonlit for my favourite club.

In my day job, I have a fancy title with the Government of Alberta (yes, even with the pink tie I’m still allowed in Canada).  This has given me the chance to lead the creation of a few fairly complex web applications, including the:

So, why this blog?

For as long as I can remember, I’ve been a committed self-analyzer.  Every major decision, every aspect of personal finance, every purchasing choice — I’ve lived my entire life in spreadsheets and simulations.  No really — the amount of time I devote to this kind of thing borders on dreary obsession.

The rationale is quite simple — if I’m doing all of this work, why not share it with the wider world?  My unhealthy compulsion is yours to exploit!

We’ll look at life hacks.  We’ll hypothesize some side hustles.  We’ll analyze ambiguous future financial scenarios.  We’ll figure out high-percentage life plays.  We’ll lay the groundwork to avoid being irresponsible parents.  In short, we’ll all try to escape the sugar caves.

I’m not sure how often I’ll post, but I do intend for each one to be worthwhile.  So follow me on Twitter, subscribe to receive post notifications via email, or grab the RSS (haha, I know), and let’s see where this goes.