I Want This So Bad!

I know it is not good to lust after things, but I have been lusting after this 50″ TV!
“My name is Ms. Ona Mission and I am a sinner.”
I have spent the last 30 minutes or so comparing prices on big screen TVs while I watch Criminal Minds on DVD on my 27″. The funny [...]

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 [...]

10 Steps To Begin Your Rise Out of Debt

I am writing this as much for myself as for anyone else who might find it helpful. I fully intend to read over the list regularly as a way to stay on track.

Make a list of EVERY debt you owe. Credit cards, medical bills, loans, mortgage company, people. . . EVERY bill! It may be [...]

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 [...]

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. [...]

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 [...]