Welcome to Bare Budget Guy!
I am a 30 plus 2 year old guy with a mortgage, decent job, beautiful wife, and 3 crazy little kiddos. I’ve also been described as a a skateboarding accountant from the US who speaks Spanish and dreams of moving to Nicaragua.
Rather than thinking of myself as a CPA who gives financial and tax advice, I think of myself as a guy who enjoys making, saving, and talking about money who happens to be a CPA.
In other words, I just love helping others on a more individual level with their finances, and I’ve can do that here!
If you are looking for generic articles with titles like “5 ways to save money,” you might be disappointed because you may not find those here. Rather you’ll find articles like “5 ways I’ve saved money.”
If you want a real, personal perspective of how a financial expert and his family save, spend, vacation, and live, you have come to the right place.
Some of my favorite themes involve financial transparency, family finance, retirement, and success. I’m also constantly asking (pestering?) people to post their budgets. I figure I can’t legitimately ask you to do it if I don’t do the same. Every month I post my income and spending versus my budget.
THIS is what money is all about.
Money gives us freedom to spend time with family and strengthen relationships.
You weren’t cool in 2008 unless you were getting laid off. Everyone was doing it, and I was no exception. But for a 25 year-old guy just 1 year into his first job out of college with a stay at home wife and 10-month old baby, it wasn’t really all that cool.
I worked at a well-known accounting firm and was in the beginning stages of building a family. Luckily, we had been very frugal and had managed to put away about $15,000 in savings.
You might think this is the part where I say how unemployment was the catalyst that made me decide to go out on my own and that I’d had enough with corporate employment. That (unfortunately?) wasn’t the case. Thanks to the recession-proof nature of my field, I was able to find a job at another CPA firm in a few weeks before we had to start living off of our savings.
The experience at my new firm was a huge contrast to my last one. I worked from home most of the time, which gave me more flexibility and time to spend with my family.
I soon started preparing to go back to school. My goal had always been to do the MBA thing. That combined with the fact that I didn’t see myself staying long-term in public accounting eventually landed me back in school full-time, now with 2 kids. While it was a financial sacrifice, for me it was worth it.
That brings us to the present time where by day I work in finance for a fortune 500 manufacturing firm, and by night I work as a dad and wannabe online personal finance superhero.
Why this site?
I think about all I’ve learned through the process of spending my time with accounting nerds in college, getting hired and fired in the world of public accounting, becoming a CPA, going back to school, and working in corporate finance at a big company, all while having babies.
Despite everything I have to offer, and yet I spend most of my time staring at spreadsheets and trying to resolve financial reporting system issues. I haven’t been living up to my potential of helping individuals with their finances and their lives. I created this site once I realized that I could combine some of my passions into one.
I enjoy writing. I have always been better at expressing myself on paper. It’s how I convinced my wife to marry me. I love personal finance. For better or for worse, I have a knack (bad habit?) for steering any conversation toward the topic of finances. I want to help. If there is anything I can help you with (mostly financially speaking, but hey, anything is worth a shot), do not hesitate to contact me. So bare your budget, ask a question, and let me help you!
Money isn’t everything, but it sure does affect everything–your family, your dreams, and your life–that’s where I can help.
Stop by and introduce yourself! I’d love to hear from you!