Welcome to Murphy On Money

" Money for the average Joe, and those of us that want to have some mo' "

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Do you ever worry about money or stress about getting bills paid?

I did too, but now that is a thing of the past.

money

I'm just an average Joe that got serious about taking control of my financial life.  Around 28 years old I decided I was going to get out of debt. In the 3 years that followed I paid off a $7,000 car, a $14,000 Harley Davidson, and $65,000 in student loans. Additionally I managed to accumulate $90,000 in my 401k.

Another great thing happened when I started watching, monitoring, and being responsible with money... more of it came my way.  The diligence and motivation showed up in my work and I quickly received raises and additional responsibilities.

I am now debt free and have an emergency fund equal to 3 months of income.  I don't worry about finances any more.  It's a great feeling and now that I can, I want to share all I learned and the steps I took along the way to help you!

Please browse the site or just contact me.  I like hearing from readers and I'm happy to answer questions, give a few pointers, or help in any other way I can.

Check out our recent posts below or click here to read more about Murphy On Money.

Recent Posts

We have all made mistakes which cost us money.  If you’re a Dave Ramsey fan then you know when someone calls his show and has made a mistake which costs...
If you like podcasts, please check mine out wherever you listen to podcasts or you can plug in and listen right here Listen to “Ep12 – Saving For Retirement Just...
Stay or move…  Rent or buy…  ??? You may have found yourself evaluating these options before… if not its likely that one day you will.  This post dives into our...
Like the 4-minute mile, often something feels impossible until someone accomplishes the seemingly impossible.  If you find yourself saddled with credit card debt and wondering what you can do about...
Like audio? Check out the Podcast!  Listen to “Murphy on Money – Ep11 – Marshmallows and Self-control” on Spreaker. Have you ever heard of the Standford University Marshmallow Experiment on...
Let’s talk about mortgages!   Okay, we all don’t have one but if you do, or ever might, there are some things you should all know. Like audio? Check out...
In a recent post, I mentioned a sacrifice of just $10 a day in your paycheck could stack up to be over $1 million in about 35 years.  Most of...
You may look at the title and think if I want to have $1Million and I’m only putting away $10 a day then it would take me forever to accumulate...
I recently began researching retirement savings and the overarching theme is that people are not saving as much as they should/could to be able to support themselves into retirement. It’s...
When it comes to paying down debt versus investing money, you may have heard the comment “Why would I pay off my debt when I can earn more money on my investments?”...
Tax season is upon us again!   If you’re like more than 80% of U.S. households you’ll spend the tax refund within 1 week of receiving it.  I suggest here...
Heads up! If you are like me and like podcasts check out my podcast on this post below.  I hope you will listen, enjoy, and subscribe! Listen to “Murphy on...
The goal of a zero-balance budget is to command your money and have absolute control over it. This is an important skill for getting out of debt and building wealth....
Whether you are focused on getting caught up on bills, paying down debt, or saving and investing, it won’t always be easy.  Heck, it may never be easy. Making your money...
If you are an audio and podcast fan you can listen to this episode of Murphy On Money or find the podcast on GooglePlay or iTunes. Listen to “Murphy on...