THINK BEFORE YOU RETIRE Tip #2

Today’s blog is following Think before you retire Tip #1 blog. Some of the FIRE (financial independence retire early) crowd that I follow and love haven’t thought everything through.  Some of them don’t own a house. That’s all fine and dandy for the time being but what happens when you have a heart problem (like […]

PAYING OFF MY HOME ONE MONTH AT A TIME (post #11)

Well here it is again.  Time to update you on the latest balance of my mortgage.  Only one month ago my mortgage was $2000.00 more than what I owe now.  I was hoping to be able to pay an extra $3000.00 per month, but that isn’t quite happening yet.  I will need to work a […]

THINK BEFORE YOU RETIRE Tip #1

Get things done the way you want them before you retire. When you’re looking to retire you need to prepare yourself prior to retiring.  What I mean is this. When you’re working and making money you have the resources to buy a car, remodel your kitchen, get the newest thing in a mattress, get a […]

SPENDING ON VALENTINE’S

So today I went to Albertson’s grocery store to buy some things that I couldn’t get at WalMart (they had no asparagus..my Walmart is usually out of everything, they don’t stock it very well) or at Aldi (amazingly, Aldi was also completely out of asparagus).  Albertson’s is one of your more expensive grocery stores here […]

PAYING OFF MY HOME ONE MONTH AT A TIME (post #10)

Well, so much for me updating my blog every 2 weeks! I really apologize to everyone.  With the holidays, the birthdays, the working overtime, and the illnesses of winter time (I don’t know why, but I have been sick more times this year than any other year in my life) I am finally trying to […]

PAYING OFF MY HOME ONE MONTH AT A TIME (post #9)

Well Merry Christmas to everyone!!!!  How did everyone’s budget do??? Mine did good.  I did not go over my budget this year (I usually don’t).  This year I had actually stopped saving cash every paycheck and instead sent money to my Vanguard cash account every paycheck so I wouldn’t have all that cash sitting around […]

HOW TO GET YOUR SPENDING UNDER CONTROL #2 or HOW TO USE THE ENVELOPE METHOD OF BUDGETING

In keeping with living below your means there are multiple ways to go about it.  I think the easiest to start with is to buy purchases using cash whenever possible. Think about it.  When you use your ATM or credit card do you really “think” about the money coming out of your checking account or […]

CHRISTMAS BUDGETING; CHRISTMAS IS THE SAME TIME EVERY YEAR!

Well people it’s that time of year again.  It comes every year, at the same time. It doesn’t sneak up on you, it’s not an emergency.  Every year on December 25th Santa Clause comes to your house and it’s time for you to pay him.  I know some of you give him an IOU slip […]

PAYING OFF MY HOME ONE MONTH AT A TIME (post #8)

Well here it is again, almost Christmas time and I managed to eek out another $600 and some odd dollars to put towards the principal only on my mortgage.  Actually it was exactly $635.04 which put my new balance down to $129,842.88! I am almost a full 4 years ahead of my mortgage.  Dave Ramsey […]

LIVING LIFE

Well, well, what to do, what to do.  You know that sometimes you really need to live life.   BUT ONLY WHEN YOU CAN AFFORD IT!!! I don’t go out often, and don’t go out to eat often.  But one of my biggest downfalls is going to McDonald’s and getting a regular Ice Tea with lemon.  […]