Net Worth Update June 2017: Up $100,000 in 14 months!

Wow.  This shit really works.  All of this personal finance educating, plotting, and analyzing has really paid off in the last year. The last time I posted about it in April 2016, my net worth had just topped $30,000 and I was super excited about that. I took some time off from tracking it for … Read more

May Debt Reduction Progress: $13,208.15

Debt Reduction May 2017

I’m pretty happy with my May 2017 debt reduction progress. Nah, I’m lying – I’m fucking stoked! I was able to pay off Parent Plus loan #7 by cramming $11,612.51 down it’s throat.  It was really scary to click the “Pay” button that day, but it was well worth it to be able to see a … Read more

Take Kohl’s Savings to the Next Level – Additional 15%!

In addition to my full-time job as a programmer, I work at Kohl’s part-time.  It’s a love/hate relationship.  Let’s face it, no one wants to work 20 extra hours a week during nights and weekends, especially for much less than my time is worth.  However, it does allow me to cover my son’s rent at … Read more

August Debt Reduction Progress: $2,481.59

August Debt Reduction

Due to the unexpected 180-degree turn my life took a couple of months ago, I have not yet implemented my debt reduction plan to pay off $305,000 of in just 2 years.  However, even though my life got flipped, turned upside-down (you know you just sang that as you read it), I have managed to … Read more

Those Pesky 180’s

180 Degree Turn

My life has taken a 180-degree turn in the last two months.  Most of this year, my (second) husband and I have been struggling.  We haven’t been on the same page about anything, and my way of dealing with it was to sweep it under the rug, and his was to let his frustration build … Read more

How I plan to pay off $305,000 in less than 2 years

So I’ve been doing the math – a lot of math – and I’ve decided it can be done.  If everything goes according to the latest plan I have worked out, I can pay off $305,000 of debt in less than 2 years. Here’s my debt:         That’s a really big number. … Read more

February Spending

I literally just this moment decided to post a February spend report.  Why?  Why not! I love the first of the month because it’s the day I get to pat myself on the back for last month’s spending and create a new budget for this month.  I use Mint.com (FREE!), which won’t let me pre-populate budgets.  It’s … Read more

Dave Ramsey vs. Mr. Money Mustache

DR vs MMM

Since I’ve started adulting (which was last week) and educating myself about personal finance, I have settled mainly on two schools of thought that are shaping my financial destiny.  They are very different (actually, not at all alike), however I find them both informational and entertaining.  The first site I found by Googling “how to … Read more

10 Tips to Avoid Fitting Room Homicide

Fitting Room Homicide

Today I worked my “Dave job” and I thought I was going to kill people.  My part-time job is in retail, at a non-grocery-selling “big box” store.  My special purpose today was to maintain the fitting rooms.  We have 5 fitting rooms, 2 in the Misses department, 1 in Juniors, and 2 in Mens.  I … Read more

7 Stupid Things I Used to Say About Money

I Can't Believe I Said That

Wow, has my mentality about money changed over the last few years.  Here are 7 gems that I used to say all the time that make me cringe: “Don’t worry about it; I charged it” “Whatever it is I bought as a favor for you, you don’t have to be in a hurry to pay … Read more

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