Hi, I am Michael. I am in the field of management by profession, and a perpetual learner of personal finance and frugal living. Stretch A Dime is a blog I created to share my ideas and opinions about personal finance, investing, frugal living, products and services that provide the best value for money.


When I graduated out of college with a masters degree in Electrical Engineering in 2000, I had accumulated $27K in credit card debt – I was living a lifestyle I couldn’t afford – buying branded everything at retail, expensive vacations, partying, and foolish spending.

Honestly, I did not even know how much I owed and was too afraid to face the total balance until my last credit card was maxed out.

There comes a moment in everyone’s life when you just have to face your problem and address it than sweeping it under the rug.

This was my “Aha” moment.

Fortunately, I met a great mentor, I call him “J”, who taught me how to manage my finances and helped me get out of debt.

I realized I needed to live within my means and address the debt.

I graduated with a good GPA and landed a job that paid well. That was the saving grace and only thing going well for me from a financial perspective.

I came to terms with the fact I needed to face my debt. When I started working, I led a student lifestyle and started paying off my debt aggressively.

Long story short, I paid off the 27K in credit card within three years.

I have been debt free since then.


After becoming debt free, I have been on a constant learning journey.

I read a lot of books on investing, personal finance, took courses, read PF blogs, and through trial and error found my WAY, and become good at personal finance.

In this blog, I use practical real life situations to teach and apply financial principles and concepts in your day to day life.

There are awesome textbooks available that teach you finance, however there aren’t many that teach you how to apply it practically in your daily life.

Everyone is at a different stage in their life when it comes to finances. You could relate your situation to one or more of these situations –  getting out of debt, saving up an emergency fund, researching investment options, saving for retirement, or saving for children’s college education and the list goes on.

Whatever your current financial situation might be, I may have something to offer you in terms of learning.

My goal is to teach you personal finance and address the topics mentioned above, show you ways to get out of debt, save and invest money, stretch your dime, and lead a frugal life.

To be clear, here is what I am not – I am not a CFP, ChFC, or a certified financial advisor of any sort.

All content at Stretch A Dime is meant for educational purposes only.

Always consult a certified financial professional before making any financial decisions.

I am in my late 30’s now working a regular job and in cheerful pursuit of my financial goals.


Where to Start?

A good place to start would be the Personal Finance Checklist – it provides an overview of every aspect of personal finance that you should be concerned about and addressing. Reviewing this checklist will help you identify gaps and address them effectively.

You can also visit the Education Page – posts are listed by category. Start reading the topic / category that you are interested in. I constantly refresh this page as go about adding educational content.

Please use the Site Map Overview as a guide to navigate through the blog.

If you have questions, please write to me. I would love to connect with you an


Site Map Overview:

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I thank you very much for visiting my blog!