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Wojciech Kulicki

Wojciech Kulicki on Untemplater

Wojciech Kulicki is the 26-year-old behind Fiscal Fizzle, a personal finance blog. Wojciech is an architect by day, but found himself annoying everyone with endless talk about money. To save his marriage and friendships, he started a blog to teach others what he's learned. Wojciech lives in Southwest Florida with his awesome wife and newborn son.

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Getting Your Money Juices Flowing

By Wojciech Kulicki on July 13th 2010 in Personal Finance 2 comments

Most people see creativity as something centered on the arts–whether that’s design, writing, drawing, music, or other endeavors. They rarely apply it to the more technical aspects of their lives, like money. For whatever reason, money is seen as “static,” as something that has to be learned from others or applied through systems, rather than [...]

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What if You Only Had One Year Left to Spend?

By Wojciech Kulicki on June 29th 2010 in Personal Finance 8 comments

A recent post on ProBlogger asked us what we would do if we only had one month left to blog. It’s an effective psychological trick used to reveal priorities and gain focus. It forced me to reconsider how I would use my time and resources carefully to position an asset (a blog, in this case) [...]

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Is Mobility Expensive?

By Wojciech Kulicki on May 17th 2010 in Personal Finance 11 comments

People like renting for a number of reasons, including the relatively low and predictable costs, and the freedom that comes with a lease. It means you can move at will, leave the country, or explore different experiences. But then I moved, for a variety of reasons, not the least of which were cheaper rent and a better location. Both promised to save us a boatload of money every month, in hard living costs (rent, water, cable, power) and some of the more flexible things (fuel, daycare, and even groceries).

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10 Shattered Financial Templates

By Wojciech Kulicki on March 4th 2010 in Personal Finance 18 comments

Here is a list of ten of these templates that have had the rug pulled out from under their feet:

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Untemplate Your Money While Building on Principles

By Wojciech Kulicki on February 18th 2010 in Personal Finance 18 comments

Let’s look at examples of financial principles. Once again, these are not tactics or tools. You’ve probably heard many of them before, whether repeated as mantras or hiding in the form of financial advice. You “know” them in your heart, because you understand that they make sense.

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12-Step Financial Plan for Life After Graduation

By Wojciech Kulicki on January 21st 2010 in Personal Finance 33 comments

Can you honestly say you have a “money plan” after you get that diploma? No matter what your life or income situation is, it’s important to get started on the right foot. Before you can learn how to Untemplate, you need to discover the basic principles of personal finance. Don’t worry, it’s so much easier [...]

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The 20-Something Guide to Financial Potholes

By Wojciech Kulicki on January 7th 2010 in Personal Finance 49 comments

Most of us know the feeling of being in our 20′s and invincible. Heck, I’m still in that age group. We want to believe the life that lies ahead is our open canvas. But I’ve already learned a few things about pitfalls to avoid as we swing through our 20-something years. And there are many… [...]

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