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.  […]

STRESS/RETIREMENT

Retirement…ahhhh…sounds like such a nice word, until you don’t know where your money is at. The stress of having an account that someone else has control over is overwhelming sometimes. I am finding this out from my BF (boyfriend).  He is a very responsible, accountable, old fashioned man (not old in years, he is only […]