Welcome to Murphy On Money

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

____

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

Have you ever been obsessed with a purchase or a new shinny thing to the point you find yourself researching for hours, looking at it online several times a day,...
As some of you may know, I became a debt-free except for a mortgage in early 2017.  It’s been a long couple years as I focused on reducing spending so...
Yes, just like drinking from the Holy Grail, an emergency fund will provide endless happiness and eternal youth… Okay fine, I admit it can’t do exactly that but an emergency...
I had my thoughts about assets and liabilities challenged when I read Rich Dad Poor Dad by Robert Kiyosaki. If you know me, or follow this blog, you have probably notice...
This is a very simple explanation of index funds. At the end of this post I will offer some further reading which provides an excellent way to learn more about index...
Here is a principle to building wealth and a brighter future for yourself. If you want to have more money in the future, stop spending your future’s money today. What...
The new year is here and for many its a time to reflect and think about how to make 2017 better than the last few years. Its time to think...
We flew from St. Louis to Tampa on a red-eye this morning. I dropped the wife and son at the baggage check and then went solo to drop the car...
  Even if you’re new to personal finance no doubt you have heard people mention investing.    Investing is a general term which can feel overwhelming. The good news is...
The holiday’s are just around the corner. Do you have a game plan? No, I don’t mean with who or where you are going to spend time, I mean a...