One thing that I really hate is when supervisors call a meeting and then, one hour later the supervisor is still talking about the first of ten things that he or she wants to cover on their list. In other words, I hate “beating a dead horse.”  This is exactly how it feels sometimes when I blog about money.

No New Lessons Learned

There are so many personal finance blogs available to read, with each Blogger having his or her own opinion. I am no different. So I oftentimes resort to personal stories or life reflections, having only the objective in mind to challenge the status quo in terms of how we think. If people come across my site and like what they read, good for them. If no one ever finds my site, then ”hell,” at least I wrote what was on my mind.

I’ve said it once before, and even in the introduction to my own personal finance book, “How We Prevent Wealth: A Personal Finance Reflection,” that there are no new lessons that can be learned when it comes to making sound financial principles–there are only simply variations.

How many times should a Blogger write posts about how to get out of debt, how to save money, or how to buy mutual funds? Quite frankly, it’s pretty damn boring to me.

Even if I write a masterpiece reflection on getting out of debt, namely, “Before You can get out of Debt” there is no guaranteed that it’ll get read by the masses. The Internet is already saturated with great advice about getting out of debt and every thing else relating to financial struggles and strategies.

My Money  Problems are Not Everyone Else’s Money Problems

To be honest, I can no longer relate to the struggles of the common man. I’m not rich–far from it–but I do earn income that’s within the top 20% of the average earners’ salary in the United States. 

Although I once earned a salary of less than $3,500 monthly, that’s no longer what I receive. In fact, that’s now almost close to the amount that I save monthly. 

When I was earning less than $3500 monthly, I budgeted my money like it was the last money that I’d see in years. I knew exactly when I would spend at my grocery or household limit. My budget had hard limits. If I had reached $301 of a $300 budgeted item, there would have been an “all stop” on spending, and I would critique my previous spending, line by line using Microsoft Money just to determine how I over-budgeted by that one dollar.

Now, I couldn’t even begin to tell you what my grocery or household budget is. I buy what my family needs. Period. I’ve now reached a mental point that automatically alerts me to stop before I buy something that I don’t need and I’ve reached a financial point where if I buy something I want, I could pay for it without worrying about sacrificing my savings.

My money problems now consists of questions such as, “should I let someone borrow money or just give it to them, should I save $3,500 this month or take an international trip to the Caribbean, or should I put 20% down to flip a house or buy one to rent out?”

Again, although my money problems were those of the common man, they definitely are not at this point.

So, how can I blog to the random people who frequent my blog?  Who is my target audience? Family? Friends? People using Google who are randomly searching for money help?

The answer is: I don’t know, I guess, which makes blogging easier because I have no one that I am accountable to other than myself.

Therefore, I will continue writing about what I want, when I want. For those who are in need of money help, I suggest my book, “How We Prevent Wealth: A Personal Finance Reflection.”

For other random thoughts, I recommend the posts below:

Are We Suckers to Invest in the Stock Market?

Being In Love and Loving Someone: What’s the Difference?

Should You Compromise Personal Values or Desires When Dating?

Do You Make Your Facebook Friends Envious of You?

Or just read through my archives: here.

Until next post…I’ll be in the Dominican Republic for the next four days.