I’m Back!

Not that anyone actually noticed I was gone, lol. I have a few favorite blogs, like Fabulous Financials and BankerGirl that have provided me with a little entertainment as well as good personal finance info. When they don’t post (Where ARE you BankerGirl???), I am actually disappointed! Luckily I don’t have very many any readers yet.
Update: I [...]

Counting Blessings

When I think of my financial goals and where I want to be vs. where I am right now, it is easy to get discouraged. So whenever I start feeling like I have set out to climb Mt. Everest with no food, equipment, oxygen, first aid kit, etc., I marinate for a while on what [...]

Saving for Retirement vs. Paying Off Debt

This has been an ongoing personal dilemma for me: contribute to my 401K or focus on paying off my debt. In previous years, my employer matched up to 6 percent of my contributions, so I contributed that much for the free money match. My current employer does not contribute at all. At one point, I [...]

A Lesson Learned

I’m still not totally back on the wagon yet, but today I’m not feeling so bad about it. In hindsight, I believe my initial plan was too strict. To go from spending money whenever I wanted on whatever I wanted to spending NO money at all – except for absolute necessities was . . . [...]

Stupid Tax – I Have Fallen Off the Wagon

I have had a major setback. Several little setbacks actually over the last week or so, but I’ll roll them all up into one and call it a major setback. For starters, I stopped writing down every purchase. At first I figured I would just put the receipts in my wallet and write everything down [...]

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 [...]

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.) [...]

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 [...]

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 [...]