Welcome to the Snowflake Member Spotlight! Each week, I’ll be posting an interview with one of the Snowflake Revolution member blogs. This week’s volunteer is PT who blogs at Prime Time Money as a place where those of us in our ‘prime’ can come to discuss money and all things personal finance. If you’d like to be the subject of a future spotlight, contact me using the join the revolution link. I hope you enjoy learning more about PT as much as I did!

Tell us a little about yourself.

I’m PT. I write about all things personal finance at Prime Time Money: personal finance for your prime time. I’m just a regular guy. I’m in my early thirties, married, no kids yet. I’m a CPA, but I don’t practice publicly. I work for a technology company in Texas in the Internal Audit department. I love my job and the lifestyle it affords me. I love to travel and I love all types of sports. I also enjoy managing my money responsibly…that’s one of the reasons I started Prime Time Money.

What is your favorite blog post of your own and why?

I’m really proud of my post on how we bought our home. We were able to save and put 20% down on our loan. That felt really good and I feel like I articulated that experience well.

What attracts you to the concept of snowflaking?

If you read my blog you know that I’m not void of a little debt. I have a huge desire to rid myself of my bad debt (car loans). I’m lucky enough to have a high income, but I still like the focus on the little savings adding up. I think the snowflaking method offers a great reminder to keep those little things in focus and work towards paying down the debt. I’ll have to admit, I find it hard to keep track of the little savings and how they are applied to my debt. I just try and throw as much money as I can towards my debts with the knowledge that some of the little things I’ve done are included in that payment.

What is your favorite snowflaking tip?

I really like to focus on earning money on your short-term savings. Most people, I think, have at least a few thousand in their savings account. Also, most of these accounts aren’t earning interest for these people. I like the idea of moving your short-term savings into an interest bearing account and then taking that interest earned and applying it towards debt. Essentially, make your money work for you.

Is frugality a part of who you are? Why or why not?

Living a frugal life is crucial to success with your personal finances, I think. You can always spend the money you earn and life just gets more expensive as you go. So you’re eventually going to have to learn to live more frugally. Start with the big things, like your house and car (are they more than your lifestyle requires?), then move to the smaller things. Nothing is more satisfying in personal finance than learning to live within your means.