For the last year and a half, I’ve spent literally ZERO DOLLARS on myself. I’ve always been very frugal (not quite a minimalist) and have focused my time, energy, and money on pleasing/helping others.

But this weekend…. Was ALL! ABOUT! ME! 😉 I’ve had some struggles in my personal life and hadn’t been as confident as I should be. People I love had started noticing patterns in my life that weren’t exactly normal! So after a discussion with a concerned family member, it was decided that I would treat myself for once. With that being said, I WITHDREW $500 from my investments and SPENT IT ALL ON ME!

It felt good as heck, too! I bought a boatload of clothes (much better than the thrift store clothes I used to wear all the time, some accessories (including an $85 designer wallet), and some good night’s out with friends!

Withdrawing the cash wasn’t really the wisest decision ever, but it definitely did something for me on the inside that was positive. It was like letting off a whole lotta steam that was built up! That’s the best part about personal finance….. It’s PERSONAL! So even if certain actions aren’t necessarily ‘by the book,’ some times an exception to the rules can be a healthy breath of fresh air.

I feel better. And life is good. That’s what matters most. 🙂



Nothing brightens up my day more than walking to my mailbox and getting a check for $138.52!! Owwwweeeee!!!!! It’s not much but it feels good, ya’ll!

Since I’m going by the 80/20 rule, I saved 20% which was $27 (I saved $30:)) and spent the other 80% on gas, my favorite Mexican restaurant, and clothes at the thrift store (4 dress shirts and 4 pairs of slacks for $28)! After all that I still have $7 left and I’m thinking about just throwing that cash into my emergency fund!

Today was a great day already… The bonus was just that…….. A bonus. 🙂

Have an awesome day,



Hey folks! Let’s talk about money for a second! At the end of this I want your opinion! Read on, though… 🙂

A personal pet-peeve of mine is when people discount the importance of money. The statements like “It’s just money,” or any other statement that highlights the opinion that money is not important. Don’t get me wrong. Money is DEFINITELY not EVERYTHING When you have some!!! But when you’re BROKE……… It suddenly becomes EVERYTHING!! Interesting. My goal, though, is to get some savings so that money won’t have to be everything!

Let me explain. People are important, love is important, personal passions (hobbies, pass times, etc.) are important, giving to and helping others is important!  In fact, all those things is what life is REALLY ABOUT! I’m passionate about generosity and giving and it’s one of my favorite things to do… Ever! Right now, however… Since I have a tiny savings and am basically living paycheck to paycheck, money is on my mind much of the time because MONEY is tied to my SURVIVAL! I have a tiny emergency fund and a debt that’s about to be due in a few months. It’s an absolute understatement to say money is a high priority right now. But check this out… When I have ABSOLUTELY NO DEBT and $3,000-$10,000 cash in an emergency fund and investments, will I be able to regain focus on my passions and stop working so hard?


This is the equation and the way I see it:

BROKE PERSON = SURVIVAL(avoiding eviction, late bills, etc.) >>> PASSIONS, PEOPLE, HOBBIES,


&That’s the key, folks. I have a goal and I’m focused on what I’ll be able to do once I become financially stable again! 😀 Money itself is not important… But WHAT IT PROVIDES is what matters! If you have good friends that you can’t spend time with because you’re busy working overtime because bills are coming up… That’s not a friend issue. It’s a money issue. Money determines the quality of food you eat, the quality of doctors you can see, the places you travel and how long you can travel (&travel broadens perspective in a positive way most times), the amount of time and/or money you can donate to different causes, and SO MANY OTHER THINGS!

The almighty dollar is not as important as what it PROVIDES. &&Money is not as important when you actually have some. &When you DO have some, it takes the backseat to the things that REALLY matter! 🙂

Tell me what you think! What’s your view on the importance of money?? I want to hear from ya!! 🙂

Yours truly,


Net Worth (November 2013) $528.39

I’ll do a net worth calculation every month on this blog just to show you guys where I’m at financially! There are several ways to calculate net worth (a person’s total asset value) but I’ve chosen to be strict with mine. Usually a person’s net worth calculation includes cash as well as property they own (checking/savings, investments, expensive electronics, jewelry, paid-for vehicles, etc.) minus any debt. But I’ve decided that my net worth calculations will include only my CASH MONEY minus any DEBT. My goal is $1,000,000 within 3 to 5 years! I’m obviously nowhere close to that, but hey… Gotta start somewhere, right??? Here it is…

Emergency Fund $30.50 -$297.50 $328.00
Savings $0.37 -$26.63 $27.00
Roth IRA $337.35 $117.35 $220.00
Mutual Fund $160.17 $160.17 $0.00
TOTAL $528.39 -$46.61 $575.00
Student Loan** $0.00 $0.00 $0.00
^^^Not due until April 2014 $0.00 $0.00 $0.00
  $0.00 $0.00 $0.00
TOTAL $0.00 $0.00 $0.00
NET WORTH $528.39 -$46.61 $575.00

-My emergency fund went down due to poor planning. Thats why I’m lacking there. I’m planning on making it up in the next month and a half or so…

-I also have a tiny student loan that I won’t start paying on until April of next year so I’m not including it in my net worth quite yet! 😉

Like I said, this is a chance for me to start fresh financially! You can too!! Feel free to write a comment about where your net worth is currently and how you got there! 🙂