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You Should Never Get Hit By A Slow Moving Train

Years ago we walked the train tracks by our house looking for ceramic insulators discarded from the old electric poles that went the length of the tracks. My grandfather would warn me that as soon as you see or hear a train you get far off the tracks. He said that even if a train […]

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What is a “Crisis Budget”

Years ago I had a period of time where my income was cut in half, it was a crisis, my own type of government shutdown / budget crisis.  I was spending everything I was making and had no savings to speak of.  Those times were so bad that it caused me to do the unthinkable, […]

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