Simple Budgeting: A Minimalist Guide to Setting Up Your First Budget

Why Do I Wait Until the 27th to Purchase Major Goods?

By Matt Ramey | August 10, 2019

How To Pay Your Credit Card: The Delayed Purchase Strategy During…

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The Simple Series

I have one idea behind my writing: to make complex items simple. In The Simple Series, I look to take complex topics and break them down into simple, actionable items for you. Check out the Simple Series books today!


I love writing on financial topics.  My articles include anything and everything money related.  Whether or not you want to learn dividend investing, the art of passive income generation, or money management topics, you'll find it here!

The Purpose of


Hi there and welcome! I am honored and humbled that you decided to come and visit.

My name is Matt – everyone calls me by my last name though – Ramey – thus this website was born.

I created this site because I wanted to combine two passion points of mine: Finance and Teaching. Since I became interested in the world of high finance, I have been awestruck by how much there is to know.

What began as an interest in reading corporate financial reports has turned into a foray into a full fledged FIRE movement.  My overarching personal goal is to build up my passive income portfolio to $50,000/yr. This is important to me as it is my way to achieve the Financial and Time Freedom that I value so highly.

Through the written word, video, podcasting, and other any other way possible, my sincere goal is to help teach you to the art of becoming Financially Free. While I have been building passive income through dividend investing, I am always on the lookout to grow and improve my financial picture through any means possible. And I want to teach you to do the same.

So take a look around, discover what can apply to you, and if I can be of service, please let me know. Upward and Onward to Financial Freedom!


Check Out These Posts

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What Does Prepay Mean?

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Dividend Income Update: $4,066.73

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Technology Creep vs. Productivity – How Much Does Tech Creep Cost You?

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How To Improve Your Financial Acumen

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Read More List Of Financial Goals 2019

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Quitting My Job: A One Year Check-in

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See the Progress

Active Income

We are working on building our Active Income sources. Want to find out how we are doing it?

2019 Active Income

Passive Income

We are working on building our Passive Income portfolio to $50,000/yr.  Join us on the journey!

Annual Passive Income

Budgeting is the First Step Towards Financial Freedom


Simple Budgeting: A Minimalist Guide to Setting Up Your First Budget

Simple Budgeting is designed for those individuals who are looking to get started in the world of budgeting or those who are looking to simplify their current money management system.

The process described within these pages is straightforward, open, and honest. It is built up on the 20+ years of learnings and process improvements of the author, Matthew Ramey.

Within you will find the reasons to maintain a budget, easy definitions for the most commonly used money terms, and an 8 step process to putting together your own budget. Happy budgeting!

Featured Pages

Dividend Income Portfolio

Learn how to build a solid monthly income stream by investing in dividend stocks. Matt teaches you how to become a dividend portfolio master. Join us as we grow our portfolio to $50,000+/Yr!

Dividend Income Calculator

Want to know how much dividend income an investment will net you now and into the future? Check out our handy forward dividend income calculator tool!