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Thursday, April 24, 2014

MeetUp in Ottawa

Posted by Tim Stobbs on July 19, 2013

So in case you missed it, Mister Money Mustache is having a meet up in Ottawa on July 20…aka tomorrow. By odd quirk of fate I will be in Ottawa that day as we pass through on our summer vacation. So if you plan to attend feel free to find me there. At least for the early part of the evening… we have the kids with us and I will likely need to leave around 8 or 8:30pm.

Leaving On A Jet Plane

Posted by Tim Stobbs on September 20, 2012

Wow, I can’t believe that I’m leaving tomorrow to attend CPFC12 this weekend!  Where has the time gone…oh right I’m running an election campaign right now for school board trustee. ;)

Anyway, I am very excited to be both attending and speaking at this conference.  It will be nice to share ideas with so many bloggers and industry people.  It will also be nice to finally meet so many people I’ve emailed or commented on each other blogs for years.  For example, FT from Million Dollar Journey will be there and I finally get to meet him even when we started our blogs about the same time over five years ago. It will also be exciting for the Canadian Dream blog team as I’m finally going to get to meet my Ontario writers, Dave and Sheryl, in person.

So what exactly am I speaking about at the conference?  My talk is “Blog to Book: Self Publishing” where I take a hard look at what I did right when I self published Free at 45 and what went right and what went wrong.  Some points I will be discussing include:

  • Print vs Ebook: It is a false choice.
  • How it is easy to lose money publishing.
  • Book Pricing is an art form – too little is just as bad as too much.
  • Printing options are about your business model.
  • Books are never finished…they just get released.

I hope you have a good weekend as well and I’ll be providing my thoughts on the conference next week.

So Why Are PF Bloggers Broke?

Posted by Tim Stobbs on August 17, 2012

So I was reading the other day this question over at The Financial Blogger: why are so many personal finance bloggers broke?

It was a interesting question, but in reality I think it reflects the world at large.  A lot of people have low incomes, high debt loads and ya,  obviously are broke.  So I suspect there is a fairly good demand for reading stories about people that manage to over come that debt and move on with their lives.

I know I’m not normal.  I’m in my mid-thirties with over a half a million net worth and I made six figures last year, so I’m definitely not broke.  Yet I’m trying to get to a level of freedom in my life that I hope is somewhat inspiring, hence I keep writing on this blog.  In the end I suspect people read blogs because they like the stories that go with them.  Personal finance in fact is damn easy: spend less than you earn.  Save some, keep your investment costs down and avoid consumer debt.  Done, you now know just about everything you need to about personal finance.

Now that is fairly damn boring, so learning about people’s lives and their stories create meaning for others and allows some people to learn the emotional content that goes with those basic lessons.  Spending less than you earn sounds easy, but is it ok to spend more than you earn for more education, visiting a sick family member or buy one of your life’s dream experiences?

The black and white of the original statement falls away to the real world of grey.  There are no right answers, just the answer you give to the problem and the consequence of that choice. Our lives are in fact the sum of the consequences of our decisions.  I know some people don’t particularly like my lifestyle which is fine, I’m not asking them to live it.

So in the end, yes some PF bloggers are broke and it’s ok.  It’s also ok to have an excessive net worth for your age.  We read both for the stories they contain and hopeful find a reflection of ourselves within the stories of others and realize…no I’m not the only one that has ever gone through this issue.  We aren’t alone is a good story to hear.