Budget Troubles

I have always thought of budgeting as something that is very easy to do. So easy in fact that I could just do it in my head; no need to write it down, right? Wrong! So once I finally admitted that I need to write down a budget, I started Quicken, Microsoft Money, used several [...]

Personal Finance Frenzy

Since I decided to reinvent my financial self, I have become almost addicted to personal finance blogs, books, news, websites, and pretty much anything on the subject. Little by little, I have listed each and every one of my debts, balances, interest rates, etc. I even opened a new bank account for a new beginning [...]

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.) [...]

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 [...]

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 [...]