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
The economics of smoking is becoming a major issue in my budget. Cigarette prices went up over a dollar a pack in the last 4 months due to various taxes. Needless to say, this has had an impact on my budget especially with Randy and I both being confirmed smokers and it is forcing me [...]
Every day, R & I dump all of our change into a jar. It accumulates over a month or so and then we count it out and roll it. We have gotten into the habit of taking it to our local country store as they are always in need of change. Yesterday, I took the [...]
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 [...]
I thought I would post a few of my favorite budget articles. Some of these articles are recent and some are old favorites that I still go back and read. On Budgeting: Gather Little By Little has a couple of articles on creating a budget and another great one on why people don’t budget. I [...]
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 [...]
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My thanks to the folks over at Online MBA Guide for including Oh My Aching Debts as one of the 100 Best Financial Planning Blogs I was happily surprised to find it while checking out another blog post regarding it. It’s quite an impressive listing of financial blogs. Stop by and take a look maybe [...]
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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
I didn’t think that outrageous bank charges could shock me anymore but Wachovia has managed it. I had a check from an account holder at Wachovia. This was a check to replace a bad check so we drove 25 miles to Wachovia to cash it. When we went into the bank, we went through the [...]
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