Emergency Fund

As I have had lots and lots of time on my hands since my computer breakdown, I have been pondering whether buying another computer is an emergency. I am torn because a computer is truly a need for multiple reasons, my website, my business, all my books, my taxes, etc are all done with or [...]

Surprise! Got an Envelope From IRS

by pollyalida
I got home from work today and checked my mail. Surprise!! There was an envelope from the IRS. I am not expecting my stimulus check until July and it felt awfully thick to be a check and guess what? It wasn’t! It was a notice that I owe them about $1500 more from [...]

8 Ways That I Can Save Money On A Limited Budget

by Caro‘s Lines
On Friday, I listed the 10 ways that I have found that I cannot save money and most of them are the ways that are recommended to save. So how have I managed to save money while being on such a limited income?
The first and most important step is that saving [...]

10 Ways That I Can’t Save Money

by Nieve44/La Luz
Several people on Twitter were talking about not being able to save money because they didn’t earn enough. It actually made me laugh because I earn less than $15,000 per year at my business. I have a mortgage that is over 50% of my take home pay every month. [...]

I Deserve It!

by J.sLessard
One of the excuses mentioned in Frugal Dad’s Language of the Perpetually Poor was “I Work So Hard, I Deserve It”. ‘I deserve it’ is a trap that I still fall into occasionally. It’s not usually for big ticket items like cars or vacations but usually for the smaller ones like eating out [...]

Emergency Fund: Is This Enough?

Today I will be depositing $1000 in my Emergency Fund Account. This comes from a variety of sources; the business is doing better this month, my change jar has a little over $200, the sale of the puppy and some intense snowflaking of a dollar here and a dollar there.
I still have approximately $9000 [...]

Thursday Thoughts on Emergency Funds

I was reading some of the posts on emergency funds from the Money Hacks Carnival. Silicone Valley Blogger at The Digerati Life had an article on 5 Different Ways To Build An Emergency Fund. It’s actually a look at different methods of having an emergency fund. In the past, I was definitely number 1 [...]

Counting Change: Little Stuff Adds Up

We talk about how little things add up quite a bit in personal finance and usually we are talking about the small purchases that blow our budget. In this case, the small things have added up to a pretty good chunk of change.
I have been throwing my loose change into a vase every night [...]

Having Trouble Saving Your Emergency Fund?

In doing a bit of surfing around the internet this morning, I clicked on a google ad for a new way to save money and what I found was Wachovia Bank’s Way2Save plan.
For each check card transaction or when you pay a bill online or by automatic deductions, Wachovia will transfer $1 into your savings [...]

Hooray! My Income Taxes Are Done

by The Doctor Is In
I finally sat down and did my taxes today. I have been dreading it for weeks and putting it off because it meant slogging through Quickbooks to make sure everything was correct and then digging through records to find all the miscellaneous stuff. Actually doing the taxes isn’t [...]

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