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. ūüôā

Have an awesome day,



I’m not one for rules. These rules are the exception, though. :)

I’ve decided to follow one¬†set of rules during my road to building a HUGE asset base!

1. Live below my means (live on less cash than I make!)

  • The 80/20 rule is what I’m going to use! – Live on 80% of take-home pay, Save/invest 20% of take-home pay

2. Increase my “means” (grow my income)

  • This is one reason I’m excited about being self-employed… I get to decide how much money I make, so an increase in income is VERY, VERY possible!!

3. Follow the first two rules for the rest of my life!

  • I don’t plan to follow this one to the “T” …. Because eventually I want to be able to live on 50% and save/invest 50%! ūüėČ Which is even better!

This December will be my first month living STRICTLY by this set of rules! &I’m looking forward to feeling like I got a raise because I’m¬†expecting a raise in¬†income¬†in December (which¬†will go along¬†great with the $1,000 in extra income I earned this month!) and I¬†just constructed an AMAZING and TOTALLY do-able budget for December! I’m ready to get focused and organized, financially!¬†It looks like this will give me an¬†AWESOME head-start to my next fiscal year starting in January!

My goal is to DOUBLE MY INCOME in 2014!

I’ll end 2013 with roughly $22,000 in total income working part-time jobs and being fairly lazy. But in December of 2014 it will be fun¬†to see the difference in my 12 month¬†income and overall¬†NET WORTH¬† compared to 2013! Now I’m developing a better work ethic,¬†I work a part-time and own¬†my own business¬†now! So seeing¬†the¬†difference¬†should be interesting!

Anyways… I’m curious. What financial rules do you live by? Let me know! ūüôā



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! ūüėČ

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! ūüôā