In The Beginning

I’ve been blogging since the end of 2015, but “Pivoted” in October of 2016. My first blog, Towards Your Better Life was too general and I found myself writing more about money than anything else, even though I’m a former school counselor. I just couldn’t get Towards Your Better Life out of “First Gear.”

With that, Money is not Taboo (MinT) came to be, in October of 2016. There is no comparision between the two when it comes to ROI. With Towards Your Better Life I didn’t acheive the same growth in the one year, nor did I connect with folks the way I have through Money is not Taboo.

With Towards Your Better Life, I never would have attended FinCon and met all the great folks that I did or see so many positive happenings.

When You Can’t Move Forward, Pivot

Pivoting was one of the best things that I ever could have done. Both for Money is not Taboo’s growth and my accomplishing what I started blogging to do, help other folks move ahead.

For a few years after retiring, I found myself missing something, or somethings. I missed helping folks, I missed sharing knowledge, and I missed being part of a “Tribe.”

As an educator, I was always part of a “Tribe.” Not after I retired. It was me, my wife, and the cat, living on 408 acres.

I found myself going places, just to be around people. I even took up a gig at a local college, counseling and teaching. Heart surgery prompted my complete retirement. After recovering, I found myself missing so much of my former life.

I had tons to do around the place, but it didn’t fulfill my “needs.” Blogging started to provide for it, but as I mentioned the first round didn’t pan out.

And So Begins the Climb

Boy, Money is not Taboo is paying off. Not financially, as I’ve had nothing but expenses, no money coming in. Oh well, I didn’t start it do make money, but instead to become a resource that folks would find useful.

I think MinT is becoming that. Well, maybe not a helpful resource, but at least something of interest and entertainment.

Anybody else notice a trend in the graphic above? I was tickled to pull this up this evening. Kind of reminds me of my Stock Market portfolio.

Although there are Ups and Downs, the trend is toward the Up side.

For me this is a “Shot in the Arm.” Thing is, though. It really doesn’t show the true “Up Side” that I’m getting from Money is not Taboo.

Treasures Found Along the Way

Nope. There’s no way that this graph shares the relationships that I’ve built over the past year. I mean really, does it show when I met J. Money, of Rockstar Finance and Budgets are Sexy, and got to hug him at FinCon?

What about my meeting Steven Goodwin of My Family on a Budget and roomed with him, sharing stories late into the nights, just as if we were at Summer camp?

How about my bumping into Paula Pant of Afford Anything at the top of an escalator at FinCon, or sharing a beer with JD Roth, of Money Boss, at a FinCon evening event?

I’ll never forget Liz of Chief Mom Officer, at FinCon, saying, “I Know That Name.” I smart ass commented back, “What, Schindler, from Schindler’s List?” “No” Liz replies, “Money is not Taboo.” Yeah, I felt like an ass.

It also doesn’t show the regular communication that I’ve had with David Carlson of Young Adult Money, or Derek Sal of Life and My Finances, over the past year.

It’s Not Just Been About Meeting People

On the other hand it does show, indirectly, what bringing other contributors on board to broaden the offerings can do. Contributors such as Rachel Slifka of My Latte Budget, Courtney LaCalamito of Your Average Dough, and Patty Moore of Working Mother Life. I’m still trying to get a guy contributor but it just hasn’t happened yet. No discrimination here, for shore!

The graph also doesn’t show the pride that I take in the website that Money is not Taboo is becoming. It’s a bit rough, but it’s showing great progress. MinT has come a LONG way since day one. The graph also doesn’t show the pride I take in the Guest Posts that I’ve had at Life and My Finances (Proof that Anyone Can Retire Early…Even a Middle School Teacher) and Your Average Dough (Why Not Retire at a Dollar Amount Instead of an Age?).

I’m hoping to have more of those. Hint, hint. 😉

Although the number in my stats aren’t large, they are larger than some, especially those that don’t have a blog. Not to brag, but it’s pretty cool to know that I’m part of an “Elite” group. Also neat to see that Money is not Taboo is still growing after a year. There are blogs that haven’t had a new post in months. Check out the Rockstar Finance directory of inactive blogs to see what I mean.

Winding Things Down

So, as 2017 draws to a close, I look back on the year, and the last bit of 2016, when Money is not Taboo came to be and the positives that come into my life.

One of my greatest moments was the time that my wife, Selena, was bragging about Money is not Taboo to our Son in Law. That’s pretty damn cool, I have to say.

I wish I could shout out everybody that I’ve interacted with and have met, but that would be a bit boring, so I’m not going to go there.

I do promise to keep plugging all the great folks and posts that I come across.

You see, Money is not Taboo is not supposed to be “Keith Schindler’s Blog.” Nope, I’m not going to be around forever. I want Money is not Taboo to grow into something that others might pick up and move forward.

We’ll see.

In Conclusion

For now, I’m going to keep looking for good stuff, good writers, improve my writing, and build Money is not Taboo to higher standards.

So, keep checking back and see how things go. At the end of 2o18 I’m going to pull the stats graph and compare it to the one above. I think the trend is going to continue.

Well, as long as I’m on the “Green Side of the Grave” it will.

Until next time, Peace! Shin

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The Terrific Ten: 10 Great Posts to Help You With Your Finances

Howdy, Money Buddies!

Yep, it’s that time again. Time for more fabulous blogs!

This time I’m ramping up the game and offering “The Terrific 10”, which is going to be a regular from now on.

Why 10 each week? There’s TONS of great stuff out there and it’s my goal to share as much as possible.

So, no more gabbing. Here’s the FIRST Terrific 10.

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How much money should I save each month? How much do I need to retire? These are common questions I receive and you will finally receive an answer! #howmuchmoneyshouldisave #howmuchmoneyshouldyousave #howmuchdoineedtoretireChange Your Life By Saving Just $1 More Each Day – How Much Should A Person Save Each Month? (Michelle of Making Sense of Cents via Twitter) – Being retired is awesome and it’s a shame that not everybody gets set up to do so, or misses out because of other causes. Selena and I were fortunate to put things into place to do so, but I haven’t put together a good “Retirement Post,” so here’s a great one to help you put things in place.

Michelle offeres awesome info, in her easy to read post. It will only take you a few minutes, but could change your life.

 

3 Easy Ways to Take Control of Your Financial Life Today (Jax of Project: Beach Life via Twitter) – This is an awesome post that I wish I’d have had access to in my 20’s.

Man, I’d be SO much further ahead in life if I had.

Want to get more financially fit? Then this post will help you do so.

Check it out!

Hey Rookie ~ Your Five Financial Mistakes (and how to fix them)(“Teacher” at Teacher Investor) – This is good stuff. Each of the three can really help you “Move Ahead of the Class” with your finances.

This is a short, straight to the point article that makes sense to me. Maybe it’s because I’m fa former teacher. Who knows. Any way about it, Teacher Investor is not somebody in the classroom just for the paycheck, but instead to educate.

Now, “Get to Class” and check out this post. No, there will not be a test.

10 Tips To Achieve Any Goal (Retirement Manifesto)- This post popped up at a great time, as I really can use this information. I have a number of things that I want/need to take care of them. Being a bit overwhelmed by my list (Schindler’s List, List of Things to Do “Pun inteneded”) I’ve been struggling to get things done, or even started.

Fritz shares some great ideas, and in doing so also shares his real life events to highlight his tips. Although not a short read, this post is a great one for the wealth that it contains.

Now, you might look at Fritz’ goal and laugh, but even though it’s not financially oriented, the tactics he used to meet his goal are. You’ll have to check out the post to see what I mean.

5 Ways to Teach Kids the Value of a Dollar (Ryan at Basic Money Smarts via Rockstar Finance Newly Added Blogs) – I was a kid once (My wife says I still am) and I have kids, but we’re all grown now. Unfortunately I didn’t get much $$ education from my folks so I really didn’t have much to pass on to my kids.

Fortunately, we all turned out okay, despite our parents as we’re all doing okay financially.

Ryan learned enough early on to pass on to his kids and he has some great info in this post that can help others teach their young ones about money. This isn’t Ryan’s only post on helping teach kids financial responsibility. I suggest that you check out all of his posts.

9 Ways to be Above Average (Steve at Think Save Retire via Subscription) – Perfection; It’s over rated. Actually, it’s impossible.

On the other hand, Average is definitely achievable. I know I’ve been there many times through life. Luckily I’ve been above average more than not.

Financial Nomad, Steve shares some great insight in his post, with 9 simple concepts. It’s a good read, with great info, and I’m sure that you can tell by the GIF that I stole from the post, that Steve has a good sense of humor.

His concept, Possess “Oh Shit” Money reaffirms this. Don’t take my word for it. Check out his post. I’m sure you’ll agree with me.

Happy ThresholdHow I Paid Off My $19,494 Parent Plus Loan in Less Than 2 Years (Tainted Tiara via Rockstar Finance Directory of Newly Added Blogs) – I’ve never had student loans, nor have my kids, so I’m unfamiliar with them, other than they are debt and we know what debt does.

Well, Tainted Tiara has really kicked some of her debt to the side of the road and she should be proud.

Tainted Tira shares some personal history, so anybody in the same boat shouldn’t feel alone and can possible gain some insight to help them move forward. Another good read for sure.

5 Things Wealthy People Demand of Their Investment Advisor (Keith at Wealthy Accountant via Me Hanging With Him and His Wife at FinCon) – My wife and I are working with our 4th financial advisor. We fired two, lost one to him moving out of the field, and now have a great one in our 4th.

Back in our early days, my wife and I really didn’t know what to say to our folks, or what we expected of them. We’ve learned a bunch since then. I got to hang with Keith of the Wealthy Affiliate at FinCon and we shared a LOT in common. Even if your not wealthy, you’ll get much from this post. Heck, it can probably help you become wealthy.

This one is another one worth the read.

 

Automate Your Debt Payoff and Saving (Kevin at Debt Free Happens) – I used to fly an airplane that I built, years ago. It wasn’t fancy and didn’t have autopilot, so I had to steer it around. That’s not been the case with our finances. YEARS ago I learned about auto-deposit, auto-payments, auto-investments and things have gone very well with our finances.

Kevin has some great ideas here, especially . . . Pay Yourself First. It worked so well for us and will work for you. Check out what Kevin has to say, you won’t be disappointed.

My 3 Guiding Principles to Saving 100000 in 2017My 3 Guiding Principles to Saving $100,000 in 2017 (Matt at Distilled Dollar) – I had the pleasure of meeting Matt and his Significant Other at FinCon, after following Distilled Dollar for a while and it was awesome.

But, that’s not why I’m highlighting his post. Nope, I’m doing it because it has merit.

Saving $100,000.00, that’s quite a feat and here’s some info on the process/plan/goal/expectation.

Whether Matt hits his goal or not, the concept is awesome. He’s laid out some great ideas, especially “Invest in Yourself.”  Why not??? Who else is going to? Nobody else is going to save $100,000.00 for you. Nope, they are not.Really, nobody has offered to do it for me. Know what, my wife and I have, and so can you, maybe not in one year.

So, check out Matt’s post and see what he has to offer to help you move forward.

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Wow!

That’s a Ten-Spot of great info, right? Each of these posts have the honor, or discrace, of being enthusiastically plugged by Money is not Taboo.

The authors are welcome to grab the “Plugged” icon and proudly display it on the post and/or website.

 

Until next time, Peace! Shin

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If you’ve been keeping up with Money is not Taboo, then you’ve seen the Fav 5 and now the Super 7. It’s my pleasure to share great info.

Not sure if this is worth anything to anybody, but anyone who has had a blog post plugged by Money is not Taboo, has the honor, or discrace, and can grab an “Enthusiastically Plugged by” icon and plaster it on the post and/or website.

This idea can also be completely ignored. 🙂

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How to Not Go Broke at Christmas

It’s the most wonderful time of the year! I absolutely LOVE the holiday season! It’s filled with so many good things, like family time, holiday décor, hot cocoa, candy canes, happiness, Christmas music, and presents. While I enjoy gift-giving, I want to point out that it can get out of hand very quickly. I want to give all the people I love, family and friends, everything they want. Unfortunately, if I did that I would probably be left with a penny to me name. That’s why I want to share with you tips to ensure you don’t go broke at Christmas!

Set a Budget for Christmas

I have spoken about the importance of having a budget countless times; however, a budget is pointless if you don’t update it constantly for every additional expense that you have. You need to know how much money you are willing to spend on Christmas gifts in order to plan for those costs. Determine a total amount you are willing and able to spend on gifts and then divide that accordingly for the people you would like to give gifts to. Keep in mind that you should set a realistic budget; don’t spend money that you don’t have.

Save Ahead of Time

It can be difficult to find the money to spend on Christmas gifts without sacrificing a different expense line in your budget for the month, so my suggestion is to set aside money ahead of time. You can do this in whatever way works for you. Some people prefer to set aside a little money each month throughout the whole year. Some people prefer to buy gifts throughout the year and save them for Christmas to spread out the spending. Some people start saving in the couple of months leading up to the holiday. Whatever way works best for you, just try to plan ahead as much as possible to avoid financial stress.

Look for Deals

Black Friday may be absolute mayhem, but you can truly find amazing deals on all sorts of items at stores. If you’re not one for dealing with the craziness in public, like me, then you can enjoy the sales from the comfort of your home by shopping online. You can find “Black Friday” and “Cyber Monday” deals beginning the day before Thanksgiving all the way through the Monday following Thanksgiving. I actually saw a bunch of websites that continued their “Cyber Monday” deals into Tuesday, even.

Ask Not to Exchange Gifts

If you’re really struggling to find the money for gifts for everyone, it is more than okay to ask to not exchange gifts. I’m sure your loved ones will completely understand and they wouldn’t want to make you uncomfortable or have you spending money you don’t have.  As an alternative to gift-exchanging, you could always suggest a creative idea such as secret Santa, recipe exchange, or doing a group activity together.

Utilize Reward Points

If you have a credit card that offers rewards points, utilize them for gifts around the holidays. This takes the burden off your bank account and you are utilizing money earned from purchases already made. There are various ways to do this: turn your points into gift cards, use your points to purchase gifts or apply your points as a credit to your bill. This can really help save a lot of money. Additionally, make sure you are taking advantage of earning cash back, whether through your credit or through sites like Ebates (click this link to sign up and earn bonus cash with your first purchase).

Christmas may be the most wonderful time of year, but make sure that you enjoy it wisely and don’t overspend. You shouldn’t go into debt to buy gifts for yourself or other people. Spend only what you can afford and you’ll enjoy a stress-free holiday season!

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Here’s the Super 7!! Seven Great Posts to Help You Get Your Finances in Order

Howdy, Money Buddies!!!

Well, I’ve been tardy in sharing the last few Fav 5 posts, so I’m shooting this post out early and . . . . . This time I’m doing The Super 7! Since I’m finding more great info out there I decided to up the ante this time. I’m thinking that I’ll probably be doing Super 7’s pretty regularly.

You can never get too much great stuff, so here we go.

The 1st Super 7!!!!

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Drum Roll Please!!!

how to start investingHow to Start Investing: A Complete Guide for Beginners (Chris Muller at Dough Roller) – Here’s another great piece for Newbie investors. Selena and I have been investing for some time, and think that everybody should, but I haven’t really thought of how to help others get into the game.

Chris has done that with this well written piece. In easy to understand terms he outlines the basics that everybody needs to know before sinking hard earned cash into investments.

Check it out, and share with folks you know will benefit from it. I am, that’s for sure.

 

5 Great Money Habits That Will Set Your Kids Up for Financial Success (Video at Entrepreneur by Phil Town) – Okay, this one’s not a post, but actually a video. For those that prefer visual input this is an awesome option, especially since the video shares great ways to teach your kids to be financially responsible.

Man, I wish something like this had been available to my folks when I was you and for me to share with my kids when they were just learning about money.

Well, it’s better late than never. I highly recommend that you give it a viewing and then put the practices into place.

 

Man Work vs Money Work (Finance Yo Self via Rockstar Finance) – I’m so into this post, as I’ve done a BUNCH of Man Work over the years to make money. Now, I have more Money Work going on and it’s allowed me to not have to go to a job.

I still do Man Work, but now it’s at my own schedule and where I want to do it. Most of the time it’s at my laptop, at odd hours of the day/night.

This is a short but powerful post, which really explains the difference between the two concepts. Wish I’d learned about this as a kid.

 

Make Money by Taking Surveys? I Don’t Think So (Derek of Life and My Finances)- Derek’s article reaffirms what I learned in taking surveys to make some coin.

You spend a lot of time making little money. Sometimes you spend a fair amount of time just trying to qualify for surveys.

I’ve tried a few sights this year and each one pays no more than $6.00 an hour, just as Derek points out. So, what can you do to make money from home?

Check out Derek’s article for some great ideas!

 

 

How to Start Saving When You're CluelessClueless About Saving? Here are Seven Steps to Start (The Luxe Strategist via Rockstar Finance) – Saving. It’s such a simple word, but for some it’s something that is not happening, for what ever reasons.

This article points out a number of great ideas. My favorite is Automate, Automate, Automate. It’s how my wife and I got started in our late 20’s. Before then, saving did not happen.

We really could have used information like this back in those days. Sure am glad we finally figured ways to do put money away. This is another article that’s really worth sharing.

Oh, if you’re into visuals, there are some great graphs in this one.

 

7 Ways to Save Money on Groceries (Claudia of Two Cup House) – I had the pleasure of meeting Claudia and FinCon and she and her husband, Garrette, are a blast. Speaking of blast, this post is just what you need to blast your Grocery expenses.

My wife and I can stand to follow some of Claudia’s words of wisdom, so I’m going to pour back through this piece and see how I can slip some of these practices into place.

Actually, we’re doing some of them, but we can do better on keeping costs down.

 

How We Automate Our Financial Lives (Steve at Think. Save. Retire.) – I also had the pleasure to hang with Steve and his lovely wife Courtney at FinCon. Two really awesome folks who withstood my sometimes outlandish humor.

Anyway, not only is Steve a patient person, he also retired at 35 and he and Courtney now travel the USA pulling an AirStream trailer behind them. How were they able to pull this off?

Well, Steve shares some awesome ideas that he and Courtney have put in place. I’m proud to say that Selena and I have done a number of them also.

This is another post that’s worth sharing, that’s why it made it to the 1st Super 7. Enjoy!

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There you have them, 7 awesome blog posts just packed full of financial wisdom. If you put even a few of these ideas into play then you and your kids will be Financial Rockstars. Sorry, J. Money, I had to use that one.

So, tell me what you think about any of these. It would be great to hear your feedback.

As for the Super 7, what’s your thoughts on that? Should I step it up to the Terrific 10?

These posts have been enthusiastically plugged by Money is not Taboo and the bloggers may fly this Icon of Honor on their blog post and/or website.

Or, they can just pretend that this never happened.

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