7 Ways I Save While Shopping

I was busy pondering some ideas for a new blog post this week and my son suggested that I write about all the apps I use to save and make money so I have to give credit for this post to my son Nick. The following are 7 different methods I use to either save a little money or earn a little money. Obviously the best way to save money while shopping is to not shop but unless you’re totally living off the grid, we all have purchases to make. None of these ideas are going to get you rich but every little bit saved or earned is helpful when you’re busy watching your budget. Continue reading

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8 Ways to Have Summer Fun on a Budget

It’s summer time! Yes, I’m a grown up with a full-time office job Monday through Friday and I’m even working a part-time job one day of every weekend right now but I still get a little excited at the prospect of summer time. So that summer job I mentioned just now, that means I have a little less free time then I would like and it’s a big indicator that funds are a little tighter than I would like but that doesn’t mean I can’t find some frugal ways to celebrate the long summer days. Here are 8 low-cost or free plans I have for the summer:

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I’ve decided I need about 5 extra hours in the day! The older I get the more I think I have adult ADD. I have so much that I need and want to do in life and I’m at that stage where I am completely overwhelmed and finding myself barely treading water at getting anything done because I am trying to do it all. Continue reading

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Percocet and Peeps

Okay, apparently I am a really bad mom. My boys are 19 and 21 and I probably haven’t made them Easter baskets for a good 8 years or so. Conversations with two different friends who have kids my age and older revealed this is apparently a parenting fail because they still make baskets for their kids. Sigh….Okay this year, I decided, I am going all out and I was going to make each of them an awesome Easter basket.

I grabbed a package of yellow Peeps when I was at Target for Nick last Tuesday. I wasn’t thrilled with their overpriced, kiddish basket selections though so I decided I would get them each some type of manly-looking container they could use for storage afterwards and fill those up with some junk…I mean Easter goodies…Friday night after I got off work. Continue reading

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Betting On Myself

Earlier this year when I was setting my New Year’s resolutions I decided I wanted to be bold this year. I wanted to stretch myself and step out of my comfort zone in life. I wasn’t sure how this was going to come about but I promised myself I was going to do more things that scared me in order to move forward.

About three weeks ago, one of the bloggers that I follow mentioned something called Elite Blog Academy. It’s an intensive course designed to help you grow your blog into a profitable business. I’ve been writing my blog off and on for about 3 years. I think maybe 10 people have read my blog, mostly because I’ve been very selective about who I share it with because I haven’t been confident enough in my writing or my self I guess to share it. I feel like this course can really propel my little blog into another income stream if I really work the program. Writing is a true love of mine. If money was no concern and I could do anything for a living then I would be a writer. It’s my stress buster, whether it’s writing my blog, or on my novel, or even New Year’s resolutions. Continue reading

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It’s Not a Race and It’s Not a Contest

Let’s start this post off with a confession. I am a tad bit competitive. Not crazy competitive like cheating or tripping people or anything like that but I do like to win if there’s a contest and although I know I’m generally not the smartest, prettiest, or most athletic in most rooms I walk into, I’m always going to do my best to make sure I put full effort into whatever I’m doing.

So, after considering this confession I just made, you can see where it might be a little deflating when I’m reading all these personal finance blogs that I’m addicted to that have headlines like the following: Continue reading

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Insurance woes

It’s my favorite time of year (please note,  I’m typing this with my sarcasm font). January brings a brand new insurance company and deductibles and so far this year, in the first 27 days we’ve spent the following:

Contacts and glasses for Nicholas: $283.00
Prescriptions for Michael:  $989.68

We currently pay $336.44 a month in insurance premiums. Our deductibles are $3,000 individual/$6,000 family. Once we meet the deductibles then we pay 20% of the next $2,000 towards the individual out of pocket or $4,000 for the family out of pocket. We had the large deductibles last year with Humana but the 20% after the deductible is new with our Anthem plan. This means a minimum of $2,600 more that we’ll have to pay this year then we did last year and that’s assuming that only Michael maxes out his insurance this year and Nick and I are lucky enough to not have to use our insurance plan too much. Continue reading

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2018-The Year of Being Bold

We’re almost a week into 2018 and I’m just now settling on my resolutions for the year. Granted it’s the busy time of year at my work and the juggling long hours with the hustle and bustle of preparing for the holidays is always a bit of a balancing act but I love setting my goals and resolutions for the year so I wasn’t sure at first why I was struggling with it this year. I realized something this week though as I was jotting down notes about different goals I wanted to accomplish. I realized that my goals for this year were very similar to my goals from last year and the year before. Continue reading

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2017 Recap


2017 really flew by. I know I’ve said it before but it seems like the older I get the faster life is moving and honestly I’m not sure I like that. Our family dynamic has shifted already quite a bit and although I can appreciate this stage of life, I do miss my boys “needing” me like they used to.


So before I get into my 2018 goals and resolutions, I’m going to provide a recap of my success and failures at last year’s. Continue reading

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December Goals

The months are absolutely flying by. We won’t even talk about my terrible progress with my November goals and obviously we’re more than halfway through December before I could eke this post out. Instead of focusing on what didn’t happen, I’ll give a brief recap of what I did manage to accomplish. Continue reading

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