About

Introduction of SB

When I was a 6th grader, I collected some money in my piggy bank; while my elder brother spent it up buying toys and sports equipment, I gave the money back to my dad urging him to buy a few company shares.

I developed my passion in the field of investment, finance and money at quiet an early stage of my life.

It is due to strong monetary education at home that I have never been in debt. I haven’t paid even a dime in credit card interest or penalty fee.

I take good care of my money and keep track of every dollar I earn and every dollar I spend. With the money I saved so far I can happily retire now and go back to India to live a happy retired life.

I prepare yearly and monthly budget which let me save around 50% of my income.  I am  frugal but, at the same time I am also an informed spender. I am a frugal guy who can loosen up the wallet string at times when situation demands.

I do wear the latest fashion, I have a collection of ties, watches and sun glasses yet I try to bargain at Neimanmarcus.

I want cool new gadgets because I am a techy and I can afford it, yet I will make sure my Macbook lives its full life before buying another laptop.

I do not open a wine bottle with a string, as few frugal bloggers suggest but at the same time my bottle opener is not made of gold either. I don’t teach you how to come out of debt because I have never been in debt. I will rather teach you how to remain debt free.

Background

I left India when my American employer decided to have me in their head office here in USA, having passed out from one of the premier Indian universities with masters degree in Computer Sciences.

I work in technologies department for a major financial corporation (I hope my readers will not object to my preference for privacy).

My parents live in India and like most Indians living in US, I do support my parents financially by remitting money for their up keeping.

I take pride in being a Hindu, the oldest religion in the world. My religion teaches us to be tolerant and love every living being.

I live in south Florida, the sunshine state, a vacation and cruising destination. So far I have been successful in my life. I am a potential leader in my company and still in mid 30′s. I am hopeful to climb the corporate ladder when the time comes.

As of now I do not plan on to quit day job and take up blogging full time but, if I improve upon writing skill and continue to produce great articles day after day to attract daily 10K visitors then I am going to quit my job.

My Family

My wife SMB is a great home maker, a housewife (not desperate though ) who is always on top of any household matter. Such is her strength and power that even a lizard can not dare enter our home! Even one particle of dirt is not allowed to stay for more than 30 mins (or Less ).

She has many natural talents such as  music, crafts and cooking. She proudly holds the chair of cultural secretary for Local Indian association in Miami area. She is a great cook of Indian and Italian cuisines; our friends urge her to take part in ‘Next food network star’ competition, seriously, not joking!

She doesn’t want to write blog. I hope she changes her mind and start writing, especially she could share few delicious Indian dishes, those will be a good change of taste for my readers who are otherwise used to regular American, Chinese or European cuisines.

Recipes attract women readers , that’s a fact and I do support that. She also does have the best English vocabulary among the people I have had known so far including native English speakers.

This Blog

This blog is my entrepreneurial venture, no doubt, but I have a passion for finance and investing any way, frugality attracts me. Finance, saving, investments are what I live in. I breathe finance. I am the stock adviser for my colleagues. I am the go-to-guy for people with financial question at my work.

I do believe financial success take its own time, it’s not an overnight phenomenon this is why I named my Blog One Cent AT A Time.

On financial matters I am very methodical, I meticulously keep a count of each cent spent and  earned. If finance is my hobby and most interesting subject, writing is never my forte. Languages were ones I hated most in school, more over English was my 3rd language of choice.

A poor writing skill is what prevented me from starting a blog earlier in 2005/2006, when just about every blog producing regular updates became mega hit blogs.

The passion for finance, an urge to have a name in public and a wish to become an owner of a successful business are the main driving factors towards starting this blog.

Why should you read this blog? I do not have a shortcut answer, it is true that the information I give you is not exceptional, except a few. You can certainly find ways to save money in your day-to-day life elsewhere. There are plenty of material to increase productivity on the internet as well.

I also do not disclose my actual income or expenses on this blog, I never reveal blog earnings either. So, I couldn’t find a compelling reason for you to stick to my blog.

At most what I can say is, there is a little difference in my approach to blogging (so does every one else) the same way every human being is unique. My approach to personal finance is also equally unique.

I not only talk about money, but also talk about overall improvement in one’s life. I write about improving social life, I talk about spending money on things I cherish. I talk about cleaning inner self and enjoying each moments of our lives.

Blogging helps me gain knowledge and I learn new things. I am not a master of the topics I write on this blog, rather, it’s for my own learning as well that I write about.

The most celebrated theme we have here is “How to be rich“. I have written quiet a few articles on this. They are not only about monetary richness, they are about richness in every aspects of our lives; such as emotional, spiritual, social and monetary.

Few articles on this theme are, How to be rich by creating value for money, Only you can take care of your financial future, 4 steps in pursuit of being rich, What makes you feel rich and wealthy, Enjoy finer things and feel richer in life, Get rich by saving 1 hr of daily wage and Best way to be rich, find time to be rich.

I have a Facebook page, ‘onecentatatime‘ and a Twitter account , @onlyonecent. As of now I want to remain anonymous as ’SB’.

I will keep on adding more information on this page in future. Thanks for your time,  would appreciate if you write a comment stating how you feel about me or my blog.

I encourage you to read our Disclaimer and Privacy Policy. If you want to write for us, send in your guest post.

One Cent at a Time was finalist for Plutus award as “Best new personal finance blog of the year 2011″.

Elevator Pitch : One Cent at a Time is a blog from a common man trying to become rich in life. I learn and then jot down the everyday process of becoming rich Financially, Socially, Emotionally and Spiritually. I blog to get ahead and urge you to get ahead, One Cent at a Time!