Blogger Profile

Black Sheep Millionaire

Blog Info

The Black Sheep Millionaire Blog
General Finance
Budgeting, Saving, Earning, Investing, Retirement, Early Retirement, FIRE, Financial Freedom, Debt-Free
Start Year:

Blogger Bio

Net worth:
Nashville, Tennessee, United States
Life stage:
SIK (Single Income, Kids)
Software Sales

(Is this your profile page? Update your info here. To update your icon, go to gravatar.com.)

Latest Blog Posts

Warm Weather Energy Saving Tips Spring has sprung, and the last frost has passed… things are heating up and that will eventually include your electric bill too!  Since we’re all about keeping more of our hard-earned money, and remaining reasonably comfortable in the process, let’s take a look at some pro-active money saving tips that… Read More Warm Weather Energy Saving Tips The post Warm Weather Energy Saving Tips appeared first ...
Posted: May 11 2018 @ 2:45 PM
What’s up everyone?  Today we have a question from Brett in Chicago.  His question is, “Should I refinance my mortgage to a 15 year or just make extra payments?”  Financially, which option makes the most sense? Should I Refinance My Mortgage to a 15 Year or Just Make Extra Payments? Here are the details of… Read More Reader Case Study: Should I Refinance or Make Extra Payments? The post Reader Case ...
Posted: Apr 13 2018 @ 12:33 PM
How Keeping up With the Joneses Has Changed Over Time ‘Keeping up with the Joneses’ is a phrase that has been around since the early 1900s.  Back in the day, that just meant comparing yourself to others in your neighborhood, your school or workplace and the people you encountered in everyday life.  Over time, television… Read More The Joneses, Social Media and FOMO The post The Joneses, Social Media and FOMO ...
Posted: Mar 30 2018 @ 5:32 PM
Wow… the first post of 2018 comes a couple months later than I thought it would.  If you grew up in the 90s, like I did, enjoy this throwback video and please accept my apologizes for being so quiet lately!  It’s been a long time, I shouldna left you… without a dope beat to step… Read More It’s been a long time… The post It’s been a long time… appeared first ...
Posted: Feb 26 2018 @ 3:29 PM
  M1 Finance Review I’ve been a Vanguard advocate for quite a while, and I am a huge fan of low-cost index funds and investments (those with low fees and low expense ratios).  Shortly before I started the Black Sheep Millionaire blog, I also began experimenting with Betterment so I could decide whether the ‘added value’ of… Read More Review: The M1 Finance (FREE) Investing Platform The post Review: The M1 Finance (FREE) ...
Posted: Dec 15 2017 @ 7:47 PM
Credit Card Experiment: Cash Back – Free Money Hack Throughout the last half of 2017, the Black Sheep Family has been experimenting with cash back credit card rewards…. Gasp! Credit Cards' Yep…  If you’ve been reading the Black Sheep Millionaire blog for a while, you already know that I am not a fan of debt… Read More Credit Card Experiment: Cash Back – Free Money Hack The post Credit Card ...
Posted: Dec 07 2017 @ 9:22 PM
Climbing the Corporate Ladder: A Slave to the Top' I feel that it is important for me to start by saying that I have a lot of respect for many people in high-profile, executive positions.  We absolutely NEED people in these positions that are willing to lead, guide, coach and build businesses.  Most of these… Read More Climbing the Corporate Ladder: A Slave to the Top' The post Climbing the Corporate ...
Posted: Nov 10 2017 @ 2:13 AM
The Black Sheep Family made some progress on the farm & homestead over the last couple of weeks.  If you are new to the site, Mrs. BSM and I bought some land in November, 2016 and we are preparing to build our (early) retirement home in the very near future.  It can’t come quick enough,… Read More Progress on the Farm & Homestead The post Progress on the Farm & Homestead ...
Posted: Oct 27 2017 @ 12:25 AM
Ahhhh, it’s the Black Sheep Family’s favorite time of year – Cool weather, football, chili, and the holidays are all in season.  As you get ready for the change in weather, here are a few cold weather energy saving tips to help keep you comfortable without breaking the bank: Cold Weather Energy Saving Tips: Grow… Read More Cold Weather Energy Saving Tips The post Cold Weather Energy Saving Tips appeared first ...
Posted: Oct 11 2017 @ 11:08 PM
Do programmable thermostats save money'  We installed the Nest Thermostat last September (in 2016).  Since we only had six and a half months of regular usage (after moving into our current home and before we installed the Nest), let’s take a look at the results from the 7 month period where we can get a… Read More Savings Experiment: Nest Thermostat Results The post Savings Experiment: Nest Thermostat Results appeared first ...
Posted: Oct 04 2017 @ 10:03 PM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

Leave a Comment

To leave a comment about this blog, fill out the following form.