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I hit rock bottom. When I look at pictures of myself at 21 and 22, I want to slap my stupid face. That kid spent and partied his way to five figures of debt with very little money coming in. click here, click here

Corporate finance teams have been slower than their counterparts in sales and human resources to embrace cloud software options, but more are finding spreadsheets inadequate for financial planning.

This takes us to about 2010, when I started getting the Modest Money blog off the ground. MM didn't become my full time gig for a couple more years, but I had learned the basics of web marketing through one of my jobs, and I knew I could do this thing myself. I spent thousands of hours learning how to really do this thing. click here, click here The Hero in Your Future click here, click here Basically, he said he wanted to always be pushing himself to be better, to become someone that his past self could respect and admire. I want to do the same. I think my little debt-ridden self from a decade-plus ago would like the guy I've become. I want the same to go for the guy I am 10 years from now. Here are a couple bonus milestones I'd like to see in my future. click here Investments for my children. I don't have kids, and my girlfriend and I have no specific plans. But I want them someday. Before I start reproducing, I want to have investments in place for them to at least be able to go to college, to get a level of education somewhat better than the one I had. click here

Evidence: several venture-backed startups pioneering this space—notably Anaplan, Host Analytics and Tidemark—just reported record growth during 2014. Their specialty: applications for producing budgets and forecasts an ongoing process. click here

Tidemark (which has raised $80 million in venture capital) tripled total revenue under contract. Its customers include BlackBerry, Chiquita, Hostess, HubSpot and Netflix; and its technology interoperates with applications from Workday, Salesforce, Box, NetSuite, and New Relic. click here