Welcome to Gravy Income.  Here we will talk about personal finances and how to reach long term goals of becoming financial independent.  

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Some things are better waiting for thou; Starbucks doesn’t need to see you every day of the week.  Make it a weekend thing or the dreaded Monday morning before work…. to start your week off write.


Famous Quotes To Get You Motivated

By Phillip Walters | May 15, 2016

“Never spend your money before you have earned it” Thomas Jefferson  .“Happiness is not in the mere possession of money; it lies in the joy of achievement, in the thrill of creative effort.” —Franklin D. Roosevelt “That’s why they call it the American Dream, because you have to be asleep to believe it.” Gerorge Carlin “Don’t…

Gift Card Granny

By Phillip Walters | May 15, 2016

GIFT CARD GRANNY Buy gift cards at a discount.  Gift Card Granny is the largest website for discount gift cards, showing you over 342,989 discount gift card deals. Granny shows you where to buy the gift cards that have the biggest discounts to maximize your savings before you shop.  Browse discount cards for every major store…


By Phillip Walters | May 15, 2016

RAISE Get up to 30% off gift cards to use on your favorite brands. “I’ve purchased multiple gift cards over the past 1-2 years from Raise. Never had any issues even when one of the cards purchased had a zero balance on it. I emailed there customer service and they pushed thru a refund after…


Its never to early or to late to start saving for your future and retirement.  There are many ways to grow your money 10% a year.  10% may not seem like a lot, compounded with time it adds up quick.  Think of a Simple Penny!!  Would you rather have a million dollars or a penny that double everyday for a thirty days.

Watch What Happens To This Penny Over Thirty Days

  1. Day 1 $.01             Day 16 $327.68
  2. Day 2 $.02             Day 17 $655.36
  3. Day 3 $.04             Day 18 $1,310.72
  4. Day 4 $.08             Day 19 $2,621.44
  5. Day 5 $.08             Day 20 $5,242.88
  6. Day 6 $.32             Day 21 $10,485.76
  7. Day 7 $.64             Day 22 $20,971.52
  8. Day 8 $1.28           Day 23 $41,943.04
  9. Day 9 $2.56           Day 24 $83,886.08
  10. Day 10 $5.12         Day 25 $167.772.16
  11. Day 11 $10.24       Day 26 $335,544.32
  12. Day 12 $20.48       Day 27 $671,088.64
  13. Day 13 $40.96       Day 28 $1,32,177.28
  14. Day 14 $81.92       Day 29 $2,694,354.56
  15. Day 15 $163.84     Day 30 $5,368,709.12


These are the effects of compounding, do I have your attention now?



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your spare time.

 A penny saved is a penny earned

It's a timeline expression, meaning money not spent, is money in your pocket!

The little things count a lot when it comes to saving money.  Try packing your lunch for a full month.  You will save money, track your results and compare it to the month before.

Early Morning Coffee

Are you making that stop at the gas station every morning? Picking up that coffee that's already made and only cost $1.35. That's nothing right? Compare to your monthly Mortgage. It's pieces of a penny, .001% to be exact for one coffee a month. Buy a coffee every day of the month and you're looking at 4% of your mortgage literally sipped away. Do this every day of the year and you've lost 40% of a mortgage payment. For you premium coffee drinkers Starbucks or Dunkin' Donuts I don't have to do the math you're washing a whole mortgage payment down the pipes for the year.

This is called The Compound Effect, we all know what we're doing but we never take the time to sit down and compound it together. Read the Book The Compound Effect

by Darren Hardy.  "if you are hungry to be successful, this is it.  The fundamentals of all the success you ever wanted to achieve condensed into one book.  Don't read this; consume it, study it, make it your operation manual for life" says Les Brown, coach and author of Live Your Dreams.  No one wants to get up early and make a pot of coffee these days.   this and you had the time to go in your kitchen and preset your coffee maker for the morning and save yourself some cash. If you don't have a programmable coffeemaker you can pick up a Cheap, Medium, or Top Rated Coffee Maker by clicking these links.

Remember successful people do things that other people don't want to do!

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Financial freedom can be achieved

"Never spend your money before you have earned it"

Thomas Jefferson