I'm struggling financial. I don't make much. But I also don't have any unnecessary bills. I know I need to work on a budget but it's hard. I am able to save but I wand up spending that. I'm so use to spending how I like but I need to ream in since my money is funny. I have cut back a much as I think I can but maybe I'm missing something. I don't eat out a lot. I do go on day trips once in a while. I know I need to buckle done and stop spending. I have decided to leave my saving debit cards at home and just carry my main one. if you all have any advise that you think would help I would appreciate it.

I was doing so good and everything is seem to be falling apart. I'm behind on bills I'm draining my savings again. After completing BS 1. I'm trying to stay positive but its getting hard and hard. I know things will get better but Darn I hate feeling like I'm failing at saving and struggling to make ends meat. This didn't even happen when I wasn't working. I know I need to start telling my money where to go and do a weekly budget. I just don't have the excitement for it. I'm very upset about this. Oh well this is life.

ok, so i got my first check which I divided up into multiple accounts. I have to start back with my goals which to be honest I havent set any this year. I truly want to just get my EF back to a year and start back with my vacation account, my daughters' college fund, and my house fund. I know I have to take one day at a time but It sucks to be behind on your goals.

So I have been out of work since Feb. I just got a new job with a good company as a contractor. I'm hoping to get on Perm if everything works out right. I have been unable to save anywhere. And I had to use most of my savings up so I back to baby step #2. In DR Plan. I'm so excited about getting back to my IRA savings. I feel as if I don't have anytime to waste so I'm going to start saving starting with the first paycheck. As you can tell by my blog post I have been MIA for a while. I just don't feel like talking about money when I don't have any. I get so excited over savings that I can blog about my progress but when I'm not saving or invest etc. I'm so down and out. So hopefully I will have more to blog about with this new job since I have so many account to replish. You all was missed.

My car broke down today Thank GOD it broke down when we got back home and not while I was at work or the store. I hope it's nothing major. I don't get paid until tuesday so I might have to use my EF. Thank GOD for an EF.

I have been waiting for broadband to come into my area and clearwire has finally came. So starting on Thursay 7/31/08. I will have broadband instead of dial up. Yeepee. I will save around $22.42 a month give or take. I will turn off my house phone that cost me $42.43-$50.00 a month and aol that cost me 9.99 a month. My new payment will be 35.00 a month. So now I can put more money towards my EF or my credit card debt.

I just finished reading

The Total Money Makeover by Dave Ramsey
The Road to Wealth by suze Orman
Suze Orman: For the Young, Fabulous and Broke
Women & Money
by Suze Orman
by Dave Ramsey
Financial Peace Revisited.
The Automatic Millionaire by David Bach

I just started Dave's Ramsey 7 Baby Steps last month. I'm almost finished with step 1.


1. $1,000 to start an Emergency Fund

2 Pay off all debt using the Debt Snowball

3. Three to six months of expenses in savings
(b) Start saving for a house.

4 Invest 15 percent of household income into Roth IRAs and pre-tax retirement

5 College funding for children

6 Pay off home early

7 Build wealth and give!
Invest in mutual funds and real estate