I was once in your shoes. I had a good income with no real idea where I was spending my money each month. I knew there had to be a way I could achieve my financial goals while still living a comfortable life now. I started researching and reading everything I could find about personal finance. Most of what I found was simple money techniques - that I already knew. I just wasn't doing it. From saving and investing to budgeting and debt, it was all familiar. 

What made the difference for me was when I started budgeting and more importantly - sticking to it. I paid off my debt - till all I had was my mortgage. I also cut up my credit cards (this was tough). 

Read more about my decision to cut up my credit cards here.

You can get control of your finances too. All it takes is some knowledge and willingness to make the hard choices.


I have a wide variety of knowledge and experience. I have a B.S. degree in mechanical engineering. I've worked for the last 11 years as a designer and process engineer for a major industrial company. In this capacity, I've had research, manufacturing, and other technical positions within this company. I’ve spent most of my working life solving problems using an engineering, read – logical approach. As a result, this method has allowed me to “cut through the fluff”, and zero in on effective solutions. I've used a pragmatic (figure out what works) approach to solving some of my problems. 

Rule #1: The engineer is always right.

Rule #2: If the engineer is ever wrong - see rule #1.

I am a father of 3 great kids. My wife and I live in the mountains of central Pennsylvania. I enjoy hiking, camping, and biking . . . and of course - using my experience to solve financial problems.