---  About You  ---

Target Audience

Our website is intended to be a resource for any adult who thinks they should do a better job of managing their disposable income. Specifically, this means we will not be focusing on how to make more money, or how to invest your money. We assume you make enough money to live on, but want to see better results with the income you already have.

Most of our intended audience has already made some mistakes in spending decisions. This has probably led to credit card debt, or simple "buyer's remorse." Don't be discouraged by previous mistakes. This is one of the ways we learn. Of course it is easier to learn from someone else's mistakes. It is also possible to learn from someone else's successful choices.

People in our audience are probably smarter than they think they are. If you are given tools to help you better identify problems and see their solutions, you can probably take care of the things you need to take care of in order to get out of the jam. But human nature, being what it is, needs a little encouragement from other sources.

Think about solving money problems the same way you think about dieting — You know what is good for you, but it is difficult to do what is "good for you." Money and financial health (like eating, exercise, and the resulting physical health) doesn't happen simply because you know what is good for you. It's not about a single decision. It's about a lifetime of practice.

The examples used and topics chosen for articles on "A Stone's Throes" and in the book Spend Joyfully! are intended for people who have already had some experience with running a household. That's not to say that a college student living off campus can't benefit from the topics expressed on this site. In fact many of the topics will be of interest for anyone interested in a discussion about what we expect our money to do for us, and why it often doesn't do that.