Tag Archives: budget

A Frugal Christmas

It’s that time of year again. Christmas is 5 weeks from today. Everyone have their Christmas shopping done? Yeah, me neither. I have one gift purchased…well, actually two gifts, I guess, since I added my parents on to my Netflix … Continue reading

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Cruising Along

One thing I wanted to prioritize in this second chapter of my life was to travel more. Cruise number 2 is officially on the books for the end of January 2024. It’s an early 50th birthday trip for myself. This … Continue reading

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Budget Lockdown

  You ever feel like as soon as you make a great plan that the Universe laughs at you and says, Oh no you don’t… Three months ago I had to buy a new car.  Three weeks ago I paid … Continue reading

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Sinking Funds vs Emergency Fund

This used to be my favorite time of year because I was preparing to get a large tax refund. Now that my kids are grown, it’s not so fun because those big refunds are gone. This year I there’s a … Continue reading

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Substitution Not Elimination

Do you know why most people are resistant to budgets? They think budgets are going to restrict them from everything fun in their life. That’s not the idea behind a budget. A budget, call it a spending plan if that … Continue reading

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Why Is She Writing a Personal Finance Blog??

I know that’s what you’re thinking!! And it’s okay…it’s a legit question. I do have an accounting degree but I am not a finance professional or offering financial advice in any professional capacity. (That’s my disclaimer in case you missed … Continue reading

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Listen Up Graduates!

It’s that time of year… graduation announcements are probably flooding your mailbox like they are mine. I have one son about to embark on his senior year of college and another starting his junior year. It’s hard to believe in … Continue reading

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6 Things You’ve Probably Forgotten In Your Budget

So you’ve finally got your budget set up because you’re tired of me harping on you about it. Great Job!! That’s a fantastic first step to getting your finances on track. Of course it’s easy to remember to budget in … Continue reading

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Emergency Fund aka Life Has Happened Again Account

My last blog post told how I nearly had a stroke after preparing my 2018 taxes. I originally thought I owed nearly a thousand dollars to the government. This was obviously very unsettling since I don’t have a thousand dollars sitting … Continue reading

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Taxes, Emergency funds, and Losing My Sh**

  My Blog, My Rules I have very few rules relating to my blog. Basically be respectful and no comments about religion and politics because I believe everyone has a right to their own beliefs and decisions regarding those hot … Continue reading

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