Today, we interview Lazy Man from the personal finance blog Lazy Man and Money.

Kosmo: Lazy, come on in and take a seat. Hey, hey, take those shoes off. I apologize for the condition of the furniture. We’re on a tight budget and got most of this stuff at yard sales. Can I get you something to drink? We haven’t been able to afford a refrigerator yet, so we can’t offer you anything cold.

Lazy Man: It’s good to see I’m not the only one saving money at yard sales. A glass of tap water would be fine, save your drink money for a fridge.

Kosmo: You definitely have an interesting nickname. How did you acquire it? Were you a Lazy Boy when you were younger? Do you spend countless hours in your hammock in the summer? Have you found yourself watching hours of C-Span because you’re too Lazy to change the channel? Are there piles of dirty laundry in the middle of your bedroom? Spill the beans – America wants to know!

Lazy Man: So many questions in one question, here goes… As a child I certainly was Lazy. However, I wouldn’t call myself a Lazy Boy as that’s a registered trademark of another corporation. I actually don’t have a hammock. I’ve been in negotiations with the wife to get one for about 4 years now. She’s worse than Scott Boras! I go out of my way to avoid C-Span at all costs just to stay clear of that issue. I tend to put the pile of dirty laundry to the side. I have also have a pile of clean clothes.

I chose “Lazy” after a principle in Software Engineering, my career at the time. It’s generally considered smart programming to delay computation until a result is required. When I preach the “Lazy Way” of doing things, it’s more about the efficiency. I always say that if necessity is the mother of invention, laziness is the father of efficiency.

Kosmo: What made you take the plunge to become a personal finance blogger? Do you also disperse personal finance advice to your family and friends, or are your blog readers the sole privileged recipients of your vast knowledge?

Lazy Man: I was at the dentist and read a Business Week article about how anonymous bloggers are sharing their networth on the web. One person in particular caught my eye, Boston Gal’s Open Wallet. Having lived in Boston all my life at that point, I gravitated towards anything Boston-related. After reading her site for a couple of months, I figured that I should document my quest to acquire all the world’s wealth.I pretty much reserve my financial advice to readers. It turns out that people don’t often like to receive advice on how they should handle their money from me.

Kosmo: You have been blogging for 4 years now. You have a fairly large audience and are able to earn a decent amount of cash from blog related activities. Did you have a particular moment or event when you knew that you had crossed the threshold from novice blogger to successful blogger?

Lazy Man: Whoa, don’t make me old, I’m only at 3. You presume that I’ve crossed the threshold to successful blogger.  Success can be measured in a number of ways. I presume you mean financially successful. I think when I had my first $1000 month from blogging, I realized I was on to something.

Kosmo: What sort of advice do you have for bloggers who are just starting out? What are some pitfalls they can avoid or obstacles they will encounter along the way? What steps can they take to increase their likelihood of success?

Lazy Man: I have about 20 posts of blogging advice already written. I’m just afraid to publish it because I’m not sure I can maintain another blog. For now, I invite everyone to contact me about any specific questions they might have. I hope a lot of people do because it will kick my ass in gear to formalize and publish what I already have written. I aggregated some other bloggers blogging tips at Advice for New Personal Finance Bloggers.

Kosmo: Much of the subject matter in the personal finance blogosphere seems to center around good financial advice. On the other side of that coin, people should also make an effort to avoid really bad decisions. What are some of the worst personal finance decisions a person can make?

Lazy Man: I’ll give you a couple of bad ones:

  • Reach into your wallet or purse. Pull out all money you have in there. Set it on fire.
  • Buy as many depreciating investments as you can… especially expensive ones like boats and cars.
  • Subscribe to as many services as you can. Never use them.
  • Start smoking. Do I get bonus points for the bad health advice

Kosmo: OK, now that we’ve covered the serious stuff, let’s get the scoop on the man behind the blog. What’s on your iPod right now?

Lazy Man: It’s been about 3 months since I’ve seen my iPod. However, my Palm Pre has The Beatles, Portishead, The White Stripes, Radiohead, and System of a Down.

Kosmo: How do you unwind after a long day of blogging. What are your hobbies?

Lazy Man: There’s time to do stuff besides blogging? Here are a couple of hobbies

  • I spend an hour or two each night acting as my dog’s chew toy.
  • I’m big into wine tasting. My tastebuds are pretty poor and I have almost no sense of smell. That makes me really bad at wine tasting. I also break all the rules and have white wine with red meat and red wine with white meats.
  • I have the world’s largest collection of sea shells. I keep it scattered on beaches all over the world. Maybe you’ve seen some of it…
  • I like steal Steven Wright jokes and pretend they are my own.

Kosmo: If you were an animal, what animal would you be?

Lazy Man: I would be a cheetah. I’ve always thought they were cool.

Kosmo: Is there any truth to the rumor about Scarlett Johansson?

Lazy Man: You know, everyone always gives the no comment when situations like that arise. I’m not that kind of guy. I’m just going to say it straight out: It’s true.

Kosmo: You make no secret of the fact that you are a Boston Red Sox fan. Do you consider the Red Sox to be the true 2007 champions, considering that a bevy of bad calls handed them a tainted World Series victory?

Lazy Man: Look, the tuck rule was in the rule book the whole season. In fact it’s still in the rule book today. I don’t know why people can’t understand the basic rules of the game.  Oh wait, you said 2007 Boston Red Sox…

Kosmo: You are an anonymous blogger. You guard the secret of your identity so closely that not even your dog knows about your alter ego. It must be stressful living with such a big secret. It would be a big weight off your shoulders to reveal your identity today, on The Soap Boxers, in front of a crowd of readers …

Lazy Man: I’ve thought about not being anonymous any more. All the biggest personal finance bloggers are not anonymous. I also don’t go into my net worth any more like I used to.You are right it would be a big weight off my shoulders to reveal my identity on The Soap Boxers today.

Kosmo: Thank you for your time, Lazy Man. Reader: if you haven’t had a chance to visit Lazy Man and Money, hop on over – www.lazymanandmoney.com. Lazy Man blends insightful personal finance advice with some interesting stories from his personal life. Lazy Man and Money is definitely one of my favorite blogs.

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Kosmo is the founder of The Soap Boxers and writes on a variety of topics. Many of his short stories have been collected into Kindle books.

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