Budget December 2018

Oh…the holiday month

For the longest time I have been using budgeting spreadsheets or templates, but I’m either too lazy or forget to fill them out. Budgeting apps made it easy to track my spending automatically. After few months of failed budgets, aka not being real with myself about how I use my money, a budget template was made. Continue reading “Budget December 2018”

My Money Story – Debt Pay-off Plan

To pay, or to pay extra: that is the question…

Early this month I had a different plan of how to reduce my debt. Research after research I was overwhelmed with ideas and how to’s. Pay that mortgage early or pay it slow! Buy a car with cash, avoid the loan! Interest rates are low, take a loan and build credit… you get the idea. I do want to get rid of debt, but I also don’t want to drive myself up the wall and eat dry ramen noodles all day. I prioritized and this is my game plan.

Continue reading “My Money Story – Debt Pay-off Plan”