Joe with a German shepherd


“Every secret of a writer’s soul, every experience of his life, every quality of his mind, is written large in his works.” — Virginia Woolf

Someone once told me the best speeches are those where the speaker leaves a little of himself in the delivery. The same must be true of writing. I am conscious of the reality I am always writing for you, whether in a business capacity as your copywriter or in a personal capacity as your storyteller. Regardless, I hope the sum total of my experiences makes for passages worthy of your attention.

In a perfect world, my material would appeal to readers of all ages. My target audience, however, is young adults. And because there is so much I wish I could have told my younger self, I have dedicated my blog to the kind of financial, career, and relationship advice I wish someone would have given me.

As for the rest of the site? I suppose it’s a reflection of my interests. More than anything though, I want it to be another means to connect with you. My future works will be enriched by the dialogue we share and what you teach me.

Yours in service,

Joe Orozco

  • How to Cut Your Monthly Bills without Scams
    How much are you paying for your SiriusXM subscription? Cell phone? Web hosting? Cable service? Have you ever considered negotiating your way to a lower rate? I’m guessing not if you’re still reading, but hang with me for a bit. It’s not as nerve-wracking or difficult as it sounds. This is an important component to helping your monthly budget. Satellite Radio Me: I want to cancel my service. SXM: Are you sure? I can cut you a deal right now to pay only $9 a month! Me: I think you can do better than that. SXM: I’m sorry, that’s the …

    How to Cut Your Monthly Bills without Scams Read More »

  • Choosing the Budget Strategy that Makes Sense for You
    In the previous post we covered the plans that should come before setting a personal budget. You should know why you want a budget. You should know how much money you’re bringing in and be realistic about your spending habits. Now let’s turn our attention to a handful of budget strategies that could fit your personality. A Few Budget Strategy Options Line Item Budget: In this budget, you’re going to divide your expenditures into categories, which might include: housing, utilities, groceries, and transportation, etc. The idea is that you set a spending limit per category. Using a spreadsheet is a …

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  • How to Plan Before You Set a Personal Budget
    Choosing not to use a budget is like setting off on a trip without a plan. The more adventurous and spontaneous among you may find that exhilarating, but if you don’t set financial goals, your trip is not likely to go far. Now, I get it. Budgets have a reputation for requiring too much effort. Who wants to sit there and track every dime that comes into and goes out of your bank account? Well, some of you may find that fascinating. Thankfully, there is more than one way to make a budget fit with your personality. There are two …

    How to Plan Before You Set a Personal Budget Read More »

  • Review of the Chase Freedom Unlimited: The One Card that Belongs in Everyone’s Wallet
    If there is one card I would recommend go in your wallet, from beginner to seasoned user, it would be the Chase Freedom Unlimited. It has recently undergone some changes, and they are to your benefit. I own the card myself, and if you sign up via the affiliate link, we both get rewarded. A solid cash back card will not carry an annual fee, deliver solid rewards, and be simple to understand. The Freedom Unlimited delivers on all fronts. If you have never owned a credit card before, read my advice on credit cards for beginners. In that post …

    Review of the Chase Freedom Unlimited: The One Card that Belongs in Everyone’s Wallet Read More »

  • Advice on Credit Cards for Beginners
    The most embarrassing confession I can make about credit cards is that I can’t tell you a whole lot about my first one. I took it out my freshman year in college, likely from a financial institution interested in earning profit off my poor spending habits. I couldn’t have told you the interest rate on the card, but it likely played a big role in the nearly $1,100 balance the card was carrying when I finally decided to close the account a couple years later. What was I using the card for? Mostly eating out and alcohol. I only lived …

    Advice on Credit Cards for Beginners Read More »

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