You’ve come to a new kind of online personal finance site! My name is James Petzke, and I am the writer and editor here. I am a college student with huge financial and business goals for my future, and some pretty big successes already. If you want to read more about me, visit the About page.

This Is Common Cents is the finance blog for people who don’t read finance blogs. Instead of the traditional crap you find online like “finding the lowest APR credit cards” and “buying a bigger house without going bankrupt”, I focus on writing real tips that will help shift your lifestyle away from consumerism. Ever seen a finance blog that openly resents coupons, tells you to build an army of slaves, and shows you how to run your life like a business? Now you have.

The main purpose of this site is to help you join the Life Rich. The Life Rich are those who are not only well off financially, but also rich in life’s other aspects. They build their lifestyle around three main ideals:

  • Doing More – The Life Rich person aims to always be doing things, and never fall into the laziness of consumerism. Being a lifelong learner and achiever is one of the biggest parts of this. The Life Rich also aim to contribute as much as possible to the world around them, and leave it a better place than when they entered it. They are producers instead of consumers in as many ways of life as possible.
  • Having Less – The Life Rich understand that things don’t make you happy, in fact they can do the opposite. Minimalism and sustainability are key motives behind the things they do and what possessions they have.
  • Loving Life – Of course, the Life Rich aim to love life and everything about it. They receive pleasure from doing good and contributing, and also the fact that they don’t need things to satisfy temporary needs. While every person’s definitions and means of loving life will be different, the core philosophy is the same. The Life Rich love life.

If you want to read more about the Life Rich, here is the introduction article to their lifestyle.

When it comes to money, the topics discussed here are all going to gear towards an overwhelmingly huge financial goal which anyone can achieve: financial independence. It is my thorough belief that anyone, no matter the situation, can make changes in their lifestyle that will help them overcome the typical modern system of sticking in one boring job their entire life, spending every dime they make, piling on debt, and barely managing to retire at 70 with nothing left for their children and grandchildren. Instead, I want you to live a lifestyle that eliminates completely irrational spending that our society encourages, make more money, have no debt, and have a large amount of investments by the time you’re ready to retire. This all starts with a simple two step plan guaranteed to help you build wealth that is based on pure logic.

Getting started on the path towards this lifestyle isn’t easy, but once you get in the groove, it will seem like the only natural way to live. You’ll notice you get more satisfaction from life, you have a surplus of cash, and you’ll laugh at the typical corporate drones that work 60 hour weeks and drink $5 lattes twice a day. There are several steps that you need to take in order to get to this lifestyle, outlined below:

Eliminate all forms of frivolous spending. If something isn’t a need or a VERY strong want, you shouldn’t be paying for it. And those things you are buying should be of high quality and low price. Here are some of the most popular articles on this site about frugality:

Once you are beginning to live a more frugal life, you can focus on making more money. This can come about in several different ways. You may want to get a promotion or new job in your current company, seek work elsewhere, or start a business. Below are the popular articles that will help you make more money.

Once you are making more money and spending less, you will find yourself with a massive surplus of cash just lying around, wondering what on earth you are going to do with it. Instead of buying a sports car or lifetime supply of Cuban cigars off the black market (very tempting), invest that money. This way, your money will in turn make you more money. Eventually your investments can make enough money that they provide a liveable income. Here are some of the most popular investing articles on this site:

And of course I write about other financial topics besides just those three. Here are some of the most popular random posts here on This Is Common Cents:

Do some reading around on the blog. If you want to see a detailed listing of all posts, check the Sitemap page.

If you like my writing and think that you may try to go down the road towards a better financial future, you can easily follow this blog in several ways. You can connect via Twitter, Facebook, and Google+ very easy. If RSS is your thing, here is the feed, and you can also use the email form on the sidebar to get the posts in your mailbox.

Lastly, the most exciting part of this website is the email newsletter. It is an opportunity to get exclusive content, and engage with me and this site in a way normal readers can’t. You’ll get emails probably once a week from me, and they will be contain great advice that applies to almost everyone, including tips for go doing the road towards financial independence, financial product and service recommendations, and opportunities to make this blog better. Right off the bat, you’ll receive a free copy of my ebook, Get a Job NOW! This ebook is all about helping anyone get a job anytime, even in our current tough economy. You can sign up for it using the form below or in the sidebar.

Thanks for stopping by and taking the time to read this page. I hope to see you around the blog more in the future!

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