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  • Mindset / January 9, 2018

    The Passion Cycle: 5 Steps to a Richer Life

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  • Mindset, Productivity / December 12, 2017

    The Dads in Velcro Shoes

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  • Mindset, Spending / October 25, 2017

    Aliens are Real… And Finances are Alien

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  • Productivity / May 16, 2017

    5 Ways to Prepare for Artificial Intelligence in the Workplace

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  • Debt, Spending / April 3, 2017

    Why you shouldn’t buy that new car.

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10 Things we tell our Children that we Should be Telling Ourselves.

In Mindset by C.J. CatoSeptember 25, 2017Leave a Comment

One of the first things you realize as a parent is that you tend to give a whole lot of advice to your kids that you don’t actually follow. Now I do tend to look …

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How to Spend a Windfall

In Investing, Spending by C.J. CatoSeptember 19, 2017Leave a Comment

Well I’m jealous because a bunch of money just fell in your lap instead of mine! Maybe it was $5,000 or $50,000… and now you’re wondering how to spend it all. Do you fly all …

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HOW TO CALCULATE YOUR COMMUTE COSTS

In Productivity, Spending by C.J. CatoSeptember 11, 2017Leave a Comment

The “Change Your Commute” Calculator If you’re just here for the, “Change Your Commute” Calculator – it is at the bottom of this page. (may take a few extra seconds to load) COMMUTING IS COSTING YOU According …

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5 Scams that you need to know about… Exposed

In Scams by C.J. CatoSeptember 5, 20171 Comment

In the video below you’ll see a run in I had recently with someone trying to scam me out of $1,000 in order to receive the $4.5 million I had (allegedly) won at Publishers Clearing …

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7 unmistakable Signs it’s Time to Quit your Job

In Productivity by C.J. CatoSeptember 1, 2017Leave a Comment

Photo by nikko macaspac 7 unmistakable Signs it’s Time to Quit your Job When we talk about personal finance there are two things we are always looking at, our revenue and our liabilities. Revenue is the …

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The Cheap Toothbrush Mentality

In Spending by C.J. CatoAugust 28, 2017Leave a Comment

Frugal, not Cheap I’m really happy to see the FIRE concept (Financial Independence Retire Early) resonating with a lot of young people; I am however concerned about some choices people are making to get there. …

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Cord Cutting: Watch your shows instead of commercials and save money

In Spending by C.J. CatoAugust 10, 2017Leave a Comment

Why aren’t you streaming? I don’t really watch very much TV…. maybe an hour a day…. some days none. When I do I certainly don’t want to see commercials. For me streaming is the perfect …

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Millennials and the End of the World

In entrepreneurship, Productivity by C.J. CatoJuly 24, 20171 Comment

Meet Matt, The World says he is a Lazy, Entitled, Narcissistic, Offended, Selfie-Taking, Technology-Addicted, Triggered, Safe-Space-Seeking, Snowflake.   Hi Matt and welcome to The Vow of Practicality. Thanks so much for having me C.J., glad …

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Rockstar Finance

Charlie (C.J.) Cato

C.J. Cato is the blogger behind the Vow of Practicality. “Let’s grow your wealth, increase your productivity, and maximize your happiness.”

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9 THINGS TO CONSIDER BEFORE YOU TAKE THE JOB.

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If every year you find yourself "depending" on your tax refund, you probably need to start setting some serious goals to change that.

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If you cut the cable cord and want to watch the Superbowl. You can do a free 7-day trial of 'CBS all access' on Amazon Prime.

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The New Year's resolution folks gave up.

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