The Pay Day Loan

My phone rings about 11:00, I look down at it - I don’t recognize the number, so I’m hesitant to answer, “Hello?”  “Hi, is Patricia available?”  “This is…” “Hi, my name is Jeremy and I’m from blank-blank payday advance company.  You haven’t been here in a while and I can offer you $25 on a… Continue reading The Pay Day Loan

Frustration Set in

Budgeting is a balancing act, its not easy. “…If it were easy, everyone would do it.” We’re half way to Baby step 1: $1000 in the emergency fund, at least we were until we had to have this tool. I came home last night, to find my husband frustrated with our debt free plan. We… Continue reading Frustration Set in

Money and Relationships

Changing behavior with money is the key to budgeting.  Paraphrasing one of my favorite quotes by Charles Swindoll “Life is 10% what happens to me and 90% how I react to it” reflects how I feel about money.  Its amazing how funding an emergency fund changes our reactions.  I’ve experienced  its unwise to make financial decisions… Continue reading Money and Relationships