A New Beginning

For some reason, I like to begin things on the 1st of the month or the 1st day of the week. Tomorrow is November 1st, so I will officially begin my Total Debt Payoff! I received my mortgage payoff quote in the mail a couple of days ago and I believe that paying off my [...]

Cutting Up The Cards

I now know that I MUST do it. A few weeks ago I cut up my Target Visa and my Hooters Mastercard. (Yes, I actually have a Hooters Mastercard!) I have spent all my cash, and with two days til payday, this evening I used one of my credit cards to pay for pizza.
1.) [...]

Emergency Savings

Today I opened a savings account that I will use for my emergency fund at a local credit union. I already have a savings account at my current bank with a few dollars in it, but there’s something about starting new that motivates me. Posting my progress here will also help me to build my [...]

Clothing

I ordered a jacket and some clothing from a catalog and took advantage of the delay payment til January option. No interest if I pay it off before the end of January and I fully plan to pay it off when I receive my November bonus, but we all know this can be dangerous ground [...]

Frugal Living

I made it another day without wasting any money! I packed my lunch, and although I left work late, tired, and hungry, I resisted the urge to stop for fast food. I suppose I could get used to this eating at home thing. Is it possible that I feel healthier already from not eating so [...]

What Not To Do if You Can’t Pay Your Bills

Today – of all days – I came across this article on the Oh My Aching Debts blog and it was right on time! I think some of the things on the list were written with ME in mind! There have been many times when I didn’t have enough money to pay the total amount [...]

Salary Increase

At this time I cannot even plan for an entertainment fund, grocery fund, etc. To be honest, I am still robbing Peter to pay Paul and sometimes putting groceries on a credit card. On paper, my outgoing is more than my incoming and it is the skin of my teeth. . . my side hustles. [...]

Personal Finance Psychology

Sometimes I will actually stay at home to keep from spending any money. Even if I plan to go on a “free outing” it is too easy to end up eating out with friends or stopping by the store for a “necessity” or making some other impulsive move. Today I found an AWESOME website, Blueprint [...]

Short-Term Goals

I am a list person. I make grocery lists, to-do lists, shopping lists, wish lists, and more to offset my bad memory, so of course I also make financial goal lists. I believe one of my biggest mistakes in the past was setting my goals too high, making it too easy to subconsciously feel like [...]

The Ugly Truth

My financial house is in disrepair! Admitting that I have a problem is the first step, right? The truth is, I sometimes feel like a hypocrite because I give wonderful financial advice to my friends, family, and acquaintances. The problem is – I don’t always follow my own advice! I think that most of the [...]