In my new role that I started in October, I am the official manager of financial planning and analysis. Basically I’m in charge of budgeting, forecasting, and solving problems with data. The hardest part about my job is seeing the frivolous spending while I see the bottom line get worse with each additional expense. Let’s … Continue reading Why You All Need Budgets
I don’t know about you but I just shredded my 2020 calendar. While 2020 was a challenging year, I am blessed to have found a new job with a raise, pay off my car, and move closer towards my retire early goals. Now that I own my car, I’m going to pivot and transition from … Continue reading #Save21 Challenge
I'm still checking my bank account every day to be sure that I really did pay my car loan off earlier this month. I'm shocked. I'm surprised. And I'm pretty sure this makes me a total badass! You know what I also got this month? A POST TAX RAISE. That's right. See I was previously … Continue reading How to Earn a Post Tax Raise in One Simple Step
Recently I have been wondering why I haven’t been drawn to purchasing anything new. No new decorations for the house. No new kitchen appliances or gadgets. No new clothes or shoes. Nothing except for food and replacements to broken well used things. Then I heard about the Diderot Effect. A light bulb went off. When the French … Continue reading Why We Shop: Have You Met Diderot?
What happens if I opt out of shipping? I’m to the point that I would rather go without or actually go into a physical store than to keep submitting what seems to be an endless stream of lost package claims because one shipping carrier can't seem to get it together. Let me quickly point out … Continue reading What If I Opt Out of Shipping
After paying off my 2019 Subaru Crosstrek in 24.5 months (predicted this back in January) and finding a new job this year, I decided that 2020 is over. My themes for 2020 were SLOW and CREATE. I wanted to live more slowly, to give myself space to relax and be, and opt out of the … Continue reading 2021 Theme and Goal
More details to come but I couldn’t wait for this major announcement:
It's getting hot in here! My debt pay off is on fire! Every extra dollar not spent on necessities or allocated to savings is going right towards my car! November 1st Total Cash: $2,845.52High Yield Savings Account: $3,001.53Mutual Fund: $2,694.69Current Car Debt: $5,840.46Current Student Loan Debt: $45,644.12 November has been a good month. I celebrated … Continue reading November 2020 No Spend Update