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What I Did with My Last Pay Raise

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Although I think I do a fairly decent job at my Day Job, when my boss asked me to come to her office and shut the door, there’s always that feeling your plans are about to go off the rails. Luckily for me, it was time for the annual pay raise (which hadn’t been so annual of late). By then it was late October 2015 and I’ve already been on a plan to seriously straighten out my financial life the whole year. I was a little more than 2 months away from paying off my credit card debt Continue reading What I Did with My Last Pay Raise

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Forget the Past

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Shoulda. Coulda. Woulda.

I remember my social security statement coming in the mail one day during a time when I was trying to get my financial life together.

I realized I’ve been making some decent money over the last 10 years, with each year gradually increasing. I got depressed. Mostly because I didn’t have much in the way of assets to show for it. Continue reading Forget the Past

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Everything Must Go

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It’s funny what happens to your life when you don’t pay attention to it. You wake up one day and realize you have a lot of stuff. That stuff was paid for with credit cards that never seem to get paid off. Then you add more stuff, paid for by credit cards, to feel better about yourself or think that you deserve it. The cycle continues. Continue reading Everything Must Go

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Where Do I Start?

Where do I start?

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I’m sure this is a question many of you have asked yourself about your personal finances, whether it’s establishing a budget, getting a grip on your spending, what investments to choose in your 401(k), or how to pay down your credit cards.

Personal finance is always challenging because financial blogs and news organizations always seems to have a one size fits all approach. Continue reading Where Do I Start?