Monday, October 29, 2007

Get an extra job this holiday season

The holiday season is upon us. Now is the time to get a seasonal job to help with debt reduction. Try hotjobs, career builder, or go to your store of choice and fill out an application in person.

It is totally worth it. I should know, I did it.

Tuesday, October 23, 2007


- My computer problems are making it difficult to blog, or even visit other other blogs and leave comments.

- I am slowly paying down my credit card debt and being careful not to incur new debt. Things on the financial side are quiet.

- My 401K contributions along with employer match have started at the part-time gig. Now that I think of it I am in a unique position to be contributing to two different 401K plans at once. The dollar is very small each month because I am not working many hours. However, every little bit counts.

- ING's orange savings account has an interest rate of around 3%. My money for bills is able to earn some little interest until it is time to pay bills. Love it.

The lesson I finally learned about when it comes to finances is that small mole hills can make mountains. Am chipping away slowly and making progress.

Thursday, October 18, 2007

Did anyone watch The Oprah Show????

I am sitting here watching Oprah. Today's show profiled two couples that are heavily in debt. The first couple's situation is out of this world. *Faints*
The woman in the first piece is using credit card convenience checks to pay her bills each month. Huhhhh!!!! What????? Her husband has no idea how much debt they have, wow!!

The second couple has two cars and they live in New York City. You only need one damn car, and you do not need a Lexus to be parking on the street. Thankfully there situation is not as bad as the first one. The thing that bothers me is the $100,000+ in student loans. Are you a doctor or something?

Right now am speechless, got nothing else to say.

Wednesday, October 17, 2007


Being organized saves money. No more late fees. Sometimes I am so organized a bill gets paid twice in one month.

Why do people think it is appropriate to bring babies to late night movies. If you cannot find a sitter stay your azzzz home. I paid $10 just like you. I would like to enjoy it. On that note, I loved 'Why did I get married?'....Tyler Perry did his thing.

I do not miss going to the gas station on a weekly basis to fill up. Public transportation is not so bad, when it actually works on time and I can get a seat.

I have only two financial goals for 2007 so far. I think they are both realistic and can be achieved in that time frame. I might stick to those two instead of adding more.

Wednesday, October 10, 2007

Computer Troubles

A year ago my computer started dying. I stretched that bad boy out for a whole year. Well, now the time has come. It is on its last leg. I turned it on a few weeks ago and all the icons and documents disappeared. I am now really in the market for a new computer. My limit is $600 max, not a penny more.

I am looking into getting an Acer it is cheap and comes highly recommended.

Monday, October 08, 2007

Two lessons from the world's richest man

This morning the world's richest man Carlos Slim gave an interview to Diane Sawyer of Good Morning America. The two lessons I took away from this interview were:

1. Keep a spending diary. I knew this before, but hearing it from the world's richest man puts it in a different perspective. He kept a little journal when he was a kid, about how he spent his allowance.

2. You don't have to flaunt it, because you have it. Guess I will not be buying that $400,000 Bentley I saw it my dreams.

Friday, October 05, 2007

Are you smarter than a 5th grader?

NO. I am sitting here watching the show and I would not have made it past $25,000. Sad, sad, sad.

Monday, October 01, 2007

Random Stuff

The MTA wants to raise the fare from $2.00 to $2.25. Are you kidding me? I can barely get damn seat, or get a train on time and you want more money. I wish my employer would give me raises for mediocre work, absences and lateness. Shhiiittt!! I would be rich after working for only a year.

According to my calculations buying breakfast everyday at work would cost approximately $55 per month. This is the low end breakfast. Nothing with the fancy, smancy coffee and whole wheat blah blah. As long as I keep thinking of this as my electric and gas bill then am good. I will not be tempted to buy anything.

The $20 worth of gas in my car is estimated to last three weeks. Yeahhhhhhhhh!!!

On my new quest to conserve energy my electrical bill has dropped by over $20 per month in the past three months. I will continue with my conservation efforts, there is quite a bit more I can do.