By Trent Hamm

When I first started The Simple Dollar, a little over five years ago, I had just started the process of turning around my finances and I wanted to share that story with my friends.

Before that, I hadn’t really been mindful about my financial choices. I would spend with reckless abandon, fulfilling the things I wanted in the very short term without really reflecting on what it meant not only for the long term, but in terms of other short term desires.

Simply put, I didn’t really think about what I was doing with my money. Sure, I would plan ahead enough to make sure that the next month’s bills were paid, but I wasn’t even all that good at doing that. I spent money without thinking. I was mindless.

That mindlessness ran over into a lot of... More...