About Simple Family Finance

 

Welcome!

 

I’m going to keep this short and sweet.  Simple Family Finance is devoted to helping you save money, get out of debt, and live a more frugal life.  I truly believe that ANYONE at ANY INCOME can find financial freedom.  I’m living proof.  (You can read more about my story below if you choose)

I have 2 goals for this website.

#1 – Help you save REAL money 

No vague principles that leave you shaking your head in agreement, but leave you wondering what to do now.  I will be as detailed as possible to give you all of the tools needed to make a real difference in your wallet or purse.

#2 – Make saving money interesting and entertaining

I don’t want Simple Family Finance to be one long budgeting seminar.  I have and will continue to talk about effective budgeting.  I have and will continue to talk about credit reports, net worth, and tracking your expenses.  DON’T SKIP this stuff.  It’s ultra-important to your goal of getting out of debt.  But, believe it or not, personal finance can get a little dull at times.  Shocker, huh?  My goal is to take a look at it from a different angle.  I’d like to make frugal living interesting with on-going series like Experiments in Frugality and Photo Food Fights.  Will I succeed?  That’s for you to decide.

 

 

Speaking of that…If you like what you see, please let me know.  OR if you don’t like something in particular or have some constructive criticism for me, email me.  I rely on your feedback.  Scroll down to the bottom of this page to contact me.

Now what?

Take a look around.  If you like what you see, subscribe to the free email updates.  That way you don’t miss any new articles, tips, or frugal recipes.  They’ll come right to your email inbox as soon as they’re published.  The box is provided below.

Thanks for your support!  I truly appreciate it.

 

 

My Story

 

My name is Chris Tecmire.

I’ve been on this earth for 30+ years now, and I feel like I’ve learned a few things along the way.  Now, with that being said, I know more than a few folks who would declare that I still have a long way to go, but we’re going to ignore those people for a while and focus on what I have learned.Werewolf

 

As a 10 or 11 year old kid, I learned that using rubber cement to attach fur to your face is a bad idea.  Those 30 minutes before we figured out how to get it off safely were some of the most frightening moments of my entire life.  On the other hand, I was one scary looking werewolf.  Don’t ya think?

 

In college I learned tLandry Smilehe hard way that if you drop your butterfinger while driving, LEAVE IT! Picking it up near a stop light is a horrible idea.

 

I most recently learned that I have the most handsome little boy in the entire world.  It’s a fact.  Don’t try to argue.  Landry Michael was born to my wife, Trisha, and I on December 8, 2011.  He’s so cool.

 

 

 

However, this blog is all about what I’ve learned concerning finance and frugality, so let’s just cut to the chase.

 

I was spend-happy right from the start.  Remember those Reebok Pump basketball shoes that were all the rage in the 90’s?  Well, if you were a 13 year old boy at the time…you do.  I told my dad that I HAD to have those shoes for school (about $120), and he promptly told me that I HAD to get a job if I wanted them so bad.

 

That’s when I began my paper route (the best job I ever had, by the way).  Well, when you’re in 8th grade and you have a consistent income the world is your playground.  No bills, no worries, just money.  So, I did what any normal 13 year old boy would do…I bought candy and baseball cards.  There goes my savings.  And so it begins.

 

Skip over to College-Chris.  I had a pretty decent part-time gig selling fine jewelry at Sears on commission, but decided that I HAD to have a 200-count movie collection and HAD to go out to eat 4 or 5 times a week.

 

I built up a couple of credit cards, about $20,000 in student loans, a car loan, and a mortgage by the time I was 23 or 24.  Despite finding myself over $150,000 in debt, I never once considered budgeting, or even balancing my checkbook for that matter.

 

College-Chris soon learned that it would take years for him to climb out of the financial hole that he had dug for himself.  I had dreams of traveling the globe – and why not?  I was a single man with very little responsibilities and a thirst for travel, but I was stuck.

My debts were my chains. 

I missed opportunity after opportunity because of how I handled money.

 

Current-Chris has worked for a community bank for the last 5 years in a variety of roles from calling people who are behind on their payments to analyzing tax returns and financial statements.  I have learned A LOT about how money works and in which ways it works most effectively.  We’ve finally found financial freedom and the opportunities that come with it.

 

I have also learned that “College-Chris” is not alone.  I have met hundreds of people of all ages and ethnicities that are financially lost.  Their financial ignorance has left them in debt, living well above their means, and unable to climb out.

 

The good news is that your finances don’t have to be difficult or mysterious.  My goal is to make saving money simple.

Not all of us are trying to get filthy rich.  Financial freedom is what we’re after.  The ability to stop stressing out.  The ability to afford opportunities that come our way.  The ability to give to those who need it.

It’s within your grasp.

 

If you’re interested in learning new ways to take control of your finances, stop wasting so much money, and get out of debt once-and-for-all simply enter you email address in the box provided and I’ll begin sending you each new article, frugal tip, or recipe as soon as it’s published.

I hate spam and I’m assuming you do to, so you will never get any from me.

 

WARNING:  I am not a brilliant economist.  I am not rich beyond my wildest imagination.  I am neither famous nor powerful outside of my own mind.  I am an average Joe, making a modest salary as a credit analyst at a bank.

However, I’m an average Joe who has been able to increase his net worth by $60,000 in the last two years.  As you’ll see, my wife and I live a frugal life that we enjoy very much and we’d like to share that knowledge with you.

You may or may not choose to live as frugally as we do.  My job is to share what I know and then you can decide for yourself which principles and tips to use and which ones to disregard.

You’re in control.

My Family

 

Trisha, Landry, and I

 

My wife Trisha and I have been married for a couple years now and I thank God for her every single morning.  She is uber-understanding, puts up with my antics, and shares my frugal mentality.  We spend most of our time at home or at church, thanking God for His love, His Blessings, and His Son, who mercifully provides Salvation for all who ask.

The little tyke is Landry and he is AWESOME.  Just one smile from the little bugger and any grumpiness or worry simply melts away.

 

 

Contact Me

 

I would love to hear from you.  This is meant to be a community of like-minded people who are all trying to find what works and what doesn’t.  You’re a big part of that.

Do you have a money-saving tip that you would like to share?

Have an idea for an article?

Do you have a personal story or past experience that you would like to share?

Would you like to hear more about a certain subject in a later post?

I welcome all feedback, so don’t be shy. 

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DISCLAIMERS:

As I stated above, I am NOT a financial professional, so any content on this blog should only be considered for entertainment purposes.  Please seek a financial professional if you would like specific financial advice or counseling.

Also, some of the links or products shown on this website may be affiliates in which I receive a small commission.  The commission does not affect the price of the item in any way.  I simply get a small cut for leading the way.  I will never purposefully lead you astray or recommend a product I don’t believe in.  Most of the products or services shown on Simple Family Finance I have used myself.  I will always be honest about the pros and cons of each product or service, so I don’t lose your trust.

{ 1 comment… read it below or add one }

Diane March 21, 2014 at 6:11 pm

Great info on Healthy eating on less than $2 day. Amazing!

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