Empowering people to take control of their life through personal financial management and wealth-building by developing good money habits. The core principles of Purple Budget are to develop the habit of managing expenses and living within your means, finding ways to increase income, investing your money wisely, and protecting your assets in order to attain true wealth.
Commitment to Serve
Heart of a Teacher
My philosophy is deeply rooted in my Christian Catholic beliefs. My conviction is that everything we possess ultimately belongs to God— including money. That means we are called to be proper stewards of His money. Every money decision we make impacts the person we choose to be. Viewing money as a tool that God has gifted us with will shift your intention on how it’s used. Still, you don’t need to follow the same religion as me to understand the value of managing your money wisely.
I grew up in a financially struggling household, so my experience with money management started on the wrong foot. With no real mentors, I had to learn the hard way. As soon as I turned 18, I fell into the rabbit hole of terrible money choices: opening up credit cards, regularly eating out at restaurants, buying the latest gadgets, going on trips, and trying to impress my girlfriend at the time. Don’t get me wrong, it was fun, but utterly stupid.
Once I racked up over $15,000 in consumer debt (mostly from interest) across 16 credit cards, the anxiety started to build. With plans to propose and start a life with another person, I realized I could no longer hide my problem. I had to do something.
I committed to throwing all my extra income at the debt as fast as possible. I was driven by shame, as I didn’t want to enter marriage with debt. Although I eventually reached my goal, oddly enough, it was only after being married that I understood the potential of money. My wife and I took a course by Dave Ramsey shortly after our wedding to help us understand the world of finance. That’s when I fell in love with budgets. Ramsey’s presentation of the zero-based budget enlightened the nerd in me and I haven’t looked back since.
Why do I focus so much on budgets? I’ve mentioned how it’s the foundation to all wealth-building, but the real secret is how it gives you total control of your life. That control has spilled over to other aspects of my life and changed everything. That’s why I want to share this powerful tool with you. Manage your money, your life, and your self.