The ancient Babylonians are thought to be the first to make New Years Resolutions. They made them to find favor with the gods and breaking them was supposed to bring bad luck. Many of us continue to make New Years Resolutions every year and most of us fail to keep them. The Babylonians were careful [...]
Continue reading about Do You Make This Mistake With Your New Years Resolutions
Yes, you read it right. Today is my first day back at work. This means regular income for the first time in 2 1/2 years. I can make a regular budget and know how much money I will have. It is not a high paying job but it will pay the bills and give us [...]
I read an Liz Pulliam’s article on Why Credit Counseling Often Fails this week. It’s sad that so many people pay debt management companies to write their budget and reach a settlement with their debt collectors and then end up in default. One thing that struck me was that debt collectors are now starting to [...]
I was reading a series over on The Simple Dollar on Trent’s 14 Rules of money. The first rule that he wrote about was Spend Less Than You Earn. It made me think about my own situation. Two years ago, I began my journey to ‘fix’ my financial situation. I began reading personal finance books [...]
Continue reading about Spending Less Than You Earn Is Not Enough
I have 4 children, the oldest is 32 and the youngest is 16. I sincerely wish that I was not financially adrift when the oldest ones were growing up, however, I had little or no financial sense. There were times when I had plenty of money and there were times when I had little or [...]
Continue reading about Top 10 Things I’d Like To Teach My Children About Money
With so much going on with court cases, my father’s passing and R’s upcoming operation, I totally lost my focus on my finances. At a time when an emergency fund should be the MOST important thing that I do, I forgot to tuck away my 10%. Basically I got out of the habit of saving [...]
Continue reading about Today Is the First Day of the Rest Of My Life
Like most people, I started saving my emergency fund based on advice from every personal finance article I read. It was the first step in Dave Ramsey’s baby steps. Everyone thought it was a great idea so I should have one too right? It took me FOREVER to save it up. I struggled and would [...]
Every once in awhile I feel like my finances have taken on a life of their own. They are like a ship in a storm and I’m getting tossed this way and that depending on how the wind blows. Do you know that feeling? You just get past once crisis when something else blows you [...]
Continue reading about 10 Steps to Getting Your Financial Boat Back On Course
My emergency fund has barely begun to get built up from the last emergency when another one comes along. My mom called me on Monday to tell me that my Dad’s health had been failing rapidly over the last week. He has been in a slow decline for the past year. They had taken him [...]
Continue reading about My Emergency Fund Seems to Be Getting A Workout Lately
Why do we have an emergency fund? I have found that with our variable income, we need an emergency fund more than people with a weekly paycheck. In slow months, such as January and February we fall back on our emergency fund to pay bills and make it through. In my mind, this is an [...]
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