Small Goals Met - Emergency Fund, Credit Repair and more

Just dropping in to share some exciting news...I've met one of my small financial goals on my road to getting back on my feet.  I now have $1,000 socked away in an emergency fund.  Woohoo! With that goal met, my next goal is to clear up my credit a bit.  When I originally met with the mortgage company a few years ago regarding financing our build, they referred me to someone who came highly [...]

Peeking in to say Hello!

After a whirlwind trip to Utah (one full day up; one full day back; only 2 days there), I'm back in Tucson and back at work. I am eternally grateful that all of these issues are popping up during summer when I have a pretty flexible schedule. Even so, it's been tough to keep up with work, as I missed 3 days the first week of June (for my grandmother's funeral), had one solid week back at work, [...]

5 Ways To Make Money Writing

The 21st century has been characterized by the world progress, development of information technology, new opportunities, incredibly fast growth of ideas and people ready to accept all these challenges. The progress is not the same in different countries. For example, compare some countries in Africa with America or Europe. Some of the casual items that The Americans use every day in their life [...]

Is a Rental Property a Good Pension Investment?

Pensions are not what they once were. There is no such thing as a final salary pension these days and most jobs are not for life. You could rely on the state to pay you a pension on retirement, but unless you enjoy living in straitened circumstances, this is probably not a good idea. Instead, you should look to supplementing your pension with extra contributions, or look at other ways to generate [...]

My First Estate Sale - HELP ME!!!

Hi guys! I gotta pop in for a super quick post today because stuff is crazy right now! My family (hubs, me, and the 4-year-old twins) drove up to Utah on Wednesday. We usually split the 12-hour drive into 2 days but pushed through and did the whole thing in one day. The purpose of our trip was to finish clearing out my Dad's house. I came here in November when my Dad officially moved, but [...]

The Twins

[caption id="attachment_11326" align="alignleft" width="368"] History Buff (L) and Sea Cadet (R)[/caption] On my last post, several people asked about the twins and their plans.  Since we have been discussing that ad nauseum around here, it's an easy post to write. The twins just completed their junior year of high school.  (For those that haven't followed our story, just a little background. [...]

Cruising With Kids: Must Haves (and Do Withouts)

This post is long overdue, as we returned from our Cruise 2016 in early May! But life happened, as it always does, and this got away from me for a bit. Luckily, I'd jotted down some notes while we were still on the cruise so I wouldn't forget. And I now present to you a list of "Must Haves" and "Do Withouts" for cruising with young children. Note, this is only from our own experience so I can't [...]

May 2016 Debt Update

Late is better than never! Plus, my debt payments are all scheduled for middle-to-end of the month so these are all still true numbers, no additional payments have been made in June yet. Here ya go: [table id=81 /] The past couple months (April & May) had smaller debt payments than what I'd originally planed. One of our 2016 goals is to pay $30,000 toward debt in total. Here's a table sh [...]

My Absence

I apologize for my absence these past weeks. And I hate to say, I may be absent for a few more. Life has come flooding back like a tidal wave after months of trials and despair. And while it hasn't all been candy and flowers, lots of good things happening. I have two very steady clients now that are giving me more than full time hours, sometimes closer to double full time. The pay is decent [...]

Money Saving Tips

It's been a long time since I've posted a money-saving tip, but they're still a big part of my life! When I first started blogging, I posted little things we did to save money all the time. Here are some examples (and for the record, I still do ALL of these things....with the exception of the homemade baby wipes since the kids have now outgrown diapers!!!): Making homemade cleaning spray and [...]

Rain Cloud

I feel like Eeyore, with the tiny rain cloud following me around. It's not that I have a negative outlook on life (I like to think I'm a pretty positive person),  but I can't shake these sad life "happenings" that seem like they're going to least for the foreseeable future. Let me back up. Guess where I am!!! Hint - I'm not at home or work. I'm not even in the state of Arizona [...]

Last Day of School - Teacher Gifts

Last Wednesday was the last day of school for our kiddos. Remember when I wrote about summer childcare options? We ended up going the babysitter route for MWF during the summer so I'll still have some extra time with the girls to go to the zoo, library, parks, pool, etc. etc. etc, but I'll also have some dedicated work days. I'm hoping the mix will work out well. When the girls' last day of pr [...]

Farewell, Sweet Friend

  Sorry for the radio silence this week! I felt like I needed a couple personal days before returning. I promise this will be my last Rocky post. Next week I'll be back with more of the regular financial/work/life posts. So indulge me in just this last one. The short story is that we said farewell to our sweet furry friend on Wednesday. It still kind of blows my mind how quickly thi [...]

4 Smart Ways to Save Money on Car Insurance

The cost of auto insurance often causes people to lower their deductibles until they find a premium that they can afford. Unfortunately, that generally leaves people with deductibles that they can't meet if anything ever happens, making the insurance pointless. Before you start lowering your deductibles, follow these money-saving steps to save money and still have proper coverage. Re-Evaluate C [...]

Financial Conversations to Have with Your Fiancé

In the weeks and months leading up to your nuptials, your head will probably be spinning with wedding planning and daydreaming about that honeymoon. Amidst the chaos and excitement, however, you and your fiancé should sit down and have a serious conversation about family financial planning. It may sound boring and even a bit awkward, but full financial disclosure before tying the knot is one of t [...]

Six Useful Things to Look for When You Read Your Credit Report

Many people who obtain a free credit report wonder how they can use their credit reports to manage their credit wisely. This is understandable because credit reports contain detailed information about your credit history that savvy consumers use to manage their credit wisely. Here are six useful things that I like to look for when I read my free credit report that can help you learn how to mana [...]

Now We Know

Thanks for all the kind comments on my Tuesday post regarding the health of our dog, Rocky. I haven't been able to bring myself to reply to each of the comments individually, but I do want you to know I've read every single one and appreciate all the love and positivity you've shown us. From the bottom of my heart, thank you! Yesterday I spent 4 hours at a vet specialist having additional test [...]

A little laugh for today

I'm staying uber busy with work so aside from previously scheduled activites we are not doing much which is great because it means we are eating at home and not spending money.  Yeah!  So my plan is to get another numbers post done this weekend once some big projects are complete.  But here are few highlights from the couple of weeks. As I mentioned last week, it was homeschool prom time.  [...]

A dog's worth

    Rocky was our first baby. Years before we ever had human children, he was our "child." Yes, we were those people. The kind who refer to their pets as children. We treated him as well as you'd treat a human child, too. He had it made. Dog parks, long jogs, lots of love and affection. He moved with us cross-country two separate times. He's been with us through thick and thin. Ric [...]

Summer Childcare Blues

Finding reliable, reputable childcare has consistently been one of the most stressful parts of being a working parent.  So today I want to pose a question to the other working parents out there:  What do you do for summertime childcare?!? The place we’re currently at operates on an academic year schedule (not surprising, because its preschool through 8th grade so it’s a real school campus [...]