Unexpected Benefits of an Emergency Fund

Every month I am able to keep my $1000 “baby” emergency fund I celebrate! I know that for some this is laughable but for some it is relatable. I have never been a person to save for a rainy day. When I want something you better believe I can save for it! So I am…

Making Do and Pinching Pennies

We took a 4 day camping trip to the coast and of course spent WAY more than I budgeted for. Bummer. It always happens so I shouldn’t be shocked. We have a weakness for coastal food. Fish and chips, fresh fish tacos, shrimp cocktail and of course clam chowder. Yum, I want to go back…

Lessons Learned

First of all let me say I am not encouraging bankruptcy, I am simply telling my story and life lessons. I started working full-time right out of high school. Went to a local university and did the college thing for a while, nothing out of the ordinary. But the job I had required me to…

Finding Motivation To Pay Off Large Debts

Within the last few months my husband and I have paid off all of our smaller debts. You know things like a student loan, car loan, a few hundred dollars on a visa card and our Lowes credit card we had been using to finish our back patio. It feels so good to not have…

Why I am OVER having a Mortgage

No I haven’t paid my mortgage off. I am just so annoyed with my current mortgage company. As of 2010 it is a California law that you must have an escrow account. So I pay my bank monthly to set aside money to make annual payments to my home owners insurance and county taxes. For…

Using a Debit Card vs. Cash

In the month of March I was not as strict with my budget as I had been in February. I know it’s because we paid off all of our smaller debts so I didn’t feel the urge to be really strict with our spending. We paid of our truck loan so now we just have…

March Baby Step Update

As I sit here writing this post I cant help but be excited. We are one step closer to being done with Dave Ramsey’s baby step #2. This terribly annoying student loan is long gone and I wont EVER look back! It was a $6000 loan with only 2% interest but it felt like it…

What Happened To My March Budget??

We are almost half way through March and I feel like a financial mess! Ok it’s not really that bad I am just being dramatic. Our Vegas trip just put a wrench in my normal budgeting method. First off I didn’t pull cash out last payday for gas, groceries and those sorts of things so we…

Thinking About Retirement

I have made some dumb financial decisions in my 20’s but one thing that I have done correctly is plan for retirement. I have no idea what inspired me at 21 to start saving 10% of my income but I did. A few times I have considered taking a distribution from my retirement accounts but thank…

Final February Numbers

I opened a bottle of wine and did it, the dreaded task of going through my February receipts. I don’t normally keep every receipt and then go over them at the end of the month but I wanted to calculate my spending and compare it to my budget. First of all I have to say…