Rich people don't spend foolishly.
During our FPU class Dave Ramsey (DR) tells us rich people bargain on everything and that they don't spend their money foolishly.
So we went out to dinner with one of the fiancé's clients, who is what we refer to as rich. They invited us.
While we were at dinner, he kept hinting that we should order from the PB menu. This menu was the special. He'd mention that we could order what ever we liked, but recommend the PB menu. So after, several comments about ordering from the PB menu, we ordered from the PB menu. I couldn't help but laugh to myself, I thought about Dave Ramsey saying the PB menu gives you a 3 course meal and the others don't, what's your better choice? The PB menu. Why spend à la carte, when you get the same meal or better for less. I ended up with steak vs chicken.
When it came time to pay, again, our rich friend was smart about spending his money, he whipped out his coupon. Again I laughed to myself, thinking about DR comments, "rich people are rich because they don't spend their money foolishly."
As we headed out, our rich friend ask where did we park? The fiancé told him valet. He said, "okay we are over here in the garage."
Again DR words played in my head. The fiancé paid for valet ( $30). Normally I think it's about $10 but because he wanted to park the car in the front, he paid the extra $20. I simply reminded him that rich people are rich because they don't spend their money foolishly. Cost our rich friend $5 to park in the garage. While it cost us $30 and we are poor.
Moral of the story, don't spend your money foolishly attempting to impress others you won't meet or giving yourself a false sense of "richness."
Viewing the 'General' Category
Rich people don't spend foolishly.
I know that I'm new to this whole budgeting thing, but I'm a little annoyed. I budgeted $20 for one baby shower scheduled for tomorrow and totally forgot about the one for today.
During my FPU class, we were told that it will take about 90-days to get things right but for some reason this just bothers me.
I'd budgeted paying an extra $25 on CC 2 and now have to shift those funds for a gift. I guess I should be happy that I had the money to shift, but the CC debt is driving me nuts.
Yesterday was my first no spend day, in I don't know how long. And it felt good.
Today I'm at the salon. I decided to get my hair done every other week vs. every week. This saves me close to a $100 a month. In between those weeks, I color my hair for about $5 vs $15 and I also relax my hair for about $11 vs $50. Makes sense to do it myself than to pay her.
Lastly on a different note, I researched what my salary should be for what I do without a degree and it's between $54k and $70k. Now with a masters and my certification that range increases significantly. I've gone to my new boss for a raise, he said to wait and see what my old boss recommends. He too agreed that we, the team, deserves a raise. So I'll wait and see. If the salary increase isn't between 60-65 I'll be back looking.
All is well, this has been one crazy week after Irma.
It's the middle of the month, and I wanted to check my spending. Hurricane supplies killed me, over $300 🤦🏾♀️🙄. Next year I'll definitely plan better.
The good thing is, half the stuff purchased ( e.g. Batteries, water proof containers, solar lights) can be used for years to come.
I'll be posting my mid month spending totals tomorrow.
Thanks for your prayers everyone
Though Irma is now in the Tampa Bay area (about 3 hours northwest of me) we are still experiencing a ton of rain and hurricane force winds. I'm on the east coast, Palm Beach County.
Our power flickered a bit but we haven't lost power. We lost one board of the patio fence but that's it. We're in constant tornado watch, that scared me, but we have the safe room set up and ready to go with supplies (e.g flash lights, water, food, pillows, blanket and radio).
We have cameras so we can look out side, the canal next to the house is filling up, hopefully it won't over flow.
I'll keep you all posted and thanks for your love, support and prayers 🙏🏾
Today is the day that I clean out my closet. I have things that I do not wear, and need to get rid of them. The excuse for keeping them, I'll lose weight. Well six years later and I have not lost the weight.
I'll post photos later
I was reading Women's Day Magazine and came across these apps that are suppose to be useful for saving money and budgeting. Honestly I briefly looked them over, however they seem to be useful. So I'm putting them here and will review later
Feed the Pig - sponsored by the American Institute of CPAs
Level Money - budgeting tool
Digit- monitors spending habits
I was going to go out for breakfast 🍳 but decided to make it at home instead. I'm glad because breakfast out would have been about $20. So I'm adding this amount to the CC.
I had a nice mimosa, scrambled eggs, bacon and potatoes, yummy.
In other news I have a graduation party, then a sweet 16. I decided to do my own hair and toes, that save me $65.
Today is a save money kind of a day.
So it's the end of January and payday.
I pretty much paid as many things as I could this pay date. I'm hoping that tomorrow is a no spend day and that everything paid today can clear so that I can see where my money went. I can say this, I'm pretty sure the bulk of my spending went to eating out 😩
For February I'm hoping that I can stick to my meal plan.
In other news, my boss signs me up, so she says, for a management training course that she's attending as well. Then complains to everyone else that subordinates and managers shouldn't be in the same training. I'm thinking why did you sign me up? Personally I think she was mad because the trainer asked me three times if I was a manager. He seemed perplexed that I wasn't. The woman is crazy.
I'll be posting my end of month spendings tomorrow.
So today was day one of my tennis lessons, other than being a bit chilly it went great. There were both young and old, as well as those with years experience and those with none. I look forward to learning and advancing my skills.
As far as spending goes I spent $6 at Chick Fil A so I added $6 to my CC debt. I then headed over to the hair care store and spent $51, this included hair care products and a wig. Ugh I hated spending the money but at least I won't need to go to the salon.
The BF put gas in my car so that was good.
Other than that I have nothing else to report.
Today was a busy day, but at least I feel accomplished. First, I took my car to have my tires rotated. I'm bad when it comes to this. But since I bought tires a few months ago and I'm traveling far for work, it's best that I keep them up. Not to mention I paid the extra $12 per tire for future rotation cost.
Then I took my car to be cleaned. I had a voucher for a car wash that I'd purchase a few months ago and I totally forgot I had it, so I used it. Whew and my car 🚗 sure needed it.
Next I put a load in and took one out. I actually put a load up and not placed it on the chair. I hate putting away clothes.
Then I tackled my desk. What a mess! I finally went through a ton of papers. Though I'm not done, at least I got most of it off my desk
As I'm typing, I think I'll Google the average cost of tire rotation and balance and if there is a difference I'll add it on my CC. Every little bit helps.
I received a ton of calls today. I actually work in Fort Lauderdale not too far from the airport. We could hear the sirens and noticed the planes ✈️ circling around because they were unable to land.
Then there was an individual who jumped off a bridge on a major highway, what a day.
In the end, I'm safe. Thank God my little 5 year old cousin flew out yesterday vs today. He's traveling by himself with of course an attendant. Scary just scary
So over the holidays 🎄🥂🎁 I purchased jeans👖 , very expensive jeans using my CCs, racking up debt that I don't need. My mind told me they're on sale so they're not that expensive, never mind that I simply don't need them.
Needless to say, they didn't fit and I needed to exchange them. I was contemplating returning them but I really liked them and opted to do an exchange. So I trucked on to the mall, first to Macy's for my exchange, but they didn't have any in my size so I returned them, $60 back on the CC. Then to Nordstrom and low and behold, they didn't have my size, so another $60 was added back to the CC.
As I was leaving, I ran into an old friend I haven't seen in years. We chatted and she asked if I wanted to meet for lunch. I thought about it, and remembered my meal plan and said no. I'm not in a position to eat out this month. I told her let plan something later on, that way I can budget next month my dining out expense. Proud of myself, think I might add the $20 saved to my challenge.
I'm glad to be back blogging, it keeps me in track.
Finally decided to go through my personal email and unsubscribe to all the junk I receive. I spent an entire day pretty much clearing out emails. From Mypoints to Sweet Tomatoes, I had thousands of emails.
For some reason, when I check my emails via my iPhone and delete a message, they're not being deleted. Ugh this really sucks.
I've decided that twice a week I'll log into my desktop and remove unwanted messages.
Because most of my emails dealt with coupons, I unsubscribed and created a new email address, AmberCoupons, to have all those things sent there. Junk email reminds me of back in the day, junk mail. It's crazy!
Hopefully keeping those emails separate, will bring me some sanity.
It's the last day of the month/year and though I have had my share of rough patches, I decided to take the challenge and list 31 things that I'm thankful for (not in any particular order).
2. A roof over my head
7. My states of mind
8. Clothes on my back
9. Running water
13. Time spent with my dad
14. Getting to know my dad's family
16. Women of opportunities- my scholarship
17. God's grace and mercy
18. All my limbs
19. Ability to hear
20. Ability to see
21. Ability to walk
22. Ability to help others and doing so
23. Ability to forgive ( so many struggle with this)
24. Saving advice- keeps me on track
25. My travels and seeing this beautiful country
26. Not being addicted to drugs and alcohol, it's crazy here in south Florida
27. Shoes on my feet
28. My bed, I could be sleeping on the floor
29. My conscious, with this you'll always do what's right
30. Seeing this day, year
31. My savings
Good morning all!
Hope everyone had a wonderful Christmas 🎄 and Hanukkah
Things for me have been really hectic. As some of you may know my dad passed away late April and left me in charge of things. My oldest brother, who is a complete idiot has decided to sue me because he feels as though I manipulated my dad and everything was to be left for him and not split four ways. I'm splitting thing amongst all the children and he's not happy. So any money left in dad's account for me that I was going to split has to be spent on legal fees. Smh but this is a whole another story in itself.
My mom is still mom, miserable as hell. No matter how we try the woman cannot be satisfied. Her and my second oldest brother and sister barely speak, they both feel as though she should tell my oldest brother he is wrong for suing me and she refuses. I failed to mention that this same brother lied on her and had her in court, not to mention almost locked up in jail (the one suing me) . But what I've learned is that they are two peas in a pod, they're just alike, greedy for money and selfish. Here is a mom incident, to give you an idea of how she is. The other day my nephew was on the phone with his wife and mom was in the background yelling that he was seeing another woman, needless to say that wasn't true and my nephew and his wife had it out once he got home.
I finally got a job, my boss is crazy. The entire team as well as others have spoken to her boss about her attitude, it appears as though she is trying to adjust but we can tell it is extremely difficult for her. We all are just waiting for her to explode
Onto financial news, I've signed up for the 401(k) through my employer, maxing out at 6%, first time I've ever max. The company is on a vesting schedule and they match only 25% up to the first 6%, but hey for me it's free money.
Today marks the end of year for me so I'll be entering in receipts all day getting myself prepared for the new year. I've spent a ton of money and racked up CCs, so it's time for me to buckle down. If ive said it once, I've said it a thousand times, blogging for me keeps me accountable when it comes to my finances, so hopefully I can keep it up.
Happy New Years everyone
Well I'm back to work, started two weeks ago.
I've pretty much depleted my savings; however, I've inherited a decent amount of money from dad that I was going to split with my siblings until one started acting up and the other two told me to keep it for myself.
The good news is, is that I haven't spent any of it (dad's), I did deplete my savings while I was out and racked up a few CC bills but thank God I'm back to work.
A few of you asked what I did for a living and I'm a human resource practitioner. I have a master in HR and both HR certifications. My speciality is benefits and I hold a Florida Life Healthy and annuity license.
I'm so thankful to be back to work.
My last post was right after my dad died. Since then I have lost my job, a week after his passing. My employer said it was too much work for the team while I was out. I wasn't elixir FMLA.
My brother has turned into a jerk so now we will be putting my dad's house on the market. So much has happened, finances are in the red and I'm depressed.
Too much to post, just wanted to stop by, please keep me in brayer.
So the BF wanted to go to the Fair, he was taking his two daughters. I told him I wasn't interested, nor did I have the extra cash, but he insisted, so off we go.
To be honest it was nice but he spent a ton of money in my eyes that could have been used for something else.
2 adult tickets - $30
We had two tickets that my company gave us
2 wrist band for rides $50
$80 for the kids to spend
$30 cartoon photo
$10.50 corn on the cob
$30 group photo
$8 candy apple
Plus the to-go food that I didn't get a cost of.
Just seem like a ton of money to me for about 2 hours
So I'm at the bank and found someone's debit Visa card. For some strange reason I was scared to touch it let alone pick it up. Strange I know, but you never know.
Needless to say, I picked it up and called the bank to let them know I had found it. After our break in, I'm just paranoid about everything.
Tomorrow we get the security cameras put in and I think once those are installed I'll feel a little better.
So our home was broken into today. Though I'm thankful that no one was hurt and not much was stolen, it still annoys me.
The day started out here raining cats and dogs, heading to work I had my lunch bag, purse and breakfast in hand. Something said to me, lock gate, in my rush I thought I did but didn't check. That was around 8:07 am.
Around 1:30 the boyfriend called to say, the house was broken into and you need to come home.
Low and behold the glass slider was smashed ($275).
Thank God, all the TVs, tablets, digital camera and computer was still in place. The jerk stole every piece of jewelry I had, four of my watches, and the change I've been putting off cashing in. He stole my BF change, his watch I just bought him for Christmas. What bothers me the most, is that the change that was my BF was in his dad's canister, he just want the canister back since his dad is no longer with us. Fir me, my pandora bracelet is missing. It's five years of collecting charms of our story. Though the bracelet is valued over a $1000 it's sentimental value is worth more.
The jerk cut himself breaking in so the officer has his DNA and the neighbors have him on their surveillance camera. The officer said he knew who he was, so hopefully he'll be arrested.
That was my day in a nutshell
Well today was a day. I decided at 4:30 am that I will forgo Facebook for one week. I realize I spend way too much time surfing, reading and rereading the same posts. I almost went on during work and decided to delete the app.
I couldn't believe that I woke up this morning, grab my phone and the first thing I did was check Facebook. It's sad. I'll say it was tough, not wanting to see what everybody was doing but I got through the day.
Dad ask me to pay a bill for him, he gave me a $100 and told me to keep the change, about $34. I'm struggling with adding this to my challenge, I've done so good thus far adding all extra cash but I realized I have $294 left in my checking to last me until next Friday. Ugh. I'll play it by ear, I guess.
I also came home and made chili for dinner, this is my second time making it and I must say, it was delicious. The first time I made it, used the crockpot and it was so-so. This time, I used Morcormick chili mix, chopped onions, celery, green peeper, Worcestershire sauce, garlic powder and the rest of the items for chili. I couldn't believe how good it was, plus there's left overs for tomorrow.
That's it in a nutshell, nothing else to report.
Found this article on Twitter and thought I would share
I'm broke but all my bills are paid. I have about $200 to last until the next pay day that is the 22nd.
I'm proud of myself, any and every bill that was due from the 7th until the 22nd was paid. This last pay period I started my 401(k) contribution. I could only contribute 2%, wish I could do more but something is better than nothing. The funds chosen were two target funds 80% to the 2040 (my target date) and 20% to the 2035. I appreciate everyone's help with this as well, thank you. I'm still depositing (auto) $15 a week to my IRA account, I figured why stop. Once CC4 is paid off I can up it to $20.
On a different note, I had a phone interview yesterday. I'm super excited, please keep your fingers crossed and candles lit. The hiring manager wants to bring me in to meet with the team next week. What's great about this is, my boss is on vacation so I can leave early or come in late.
Side bar- Yesterday we had an incident at the office. A office manager did not show up to work. Her staff was nervous about it but too afraid to notify anyone because "they did not want to get her in trouble." Apparently her sister hadn't heard from her and called the cops who found her car at a bar. Long story short, she was missing for over 24 hours, found but things do not look good. I say to my boss who is the HR director, that this is a serious problem Andy That the company should be looking at its culture and speaking with staff to reassure them that if there is a concern, it's okay to speak with regionals, HR, exec team etc. Her response, " you are correct, apparently the staff is afraid of the regional, I'm not going to deal with this, let X deal with it he's the VP of Ops, this is a operations issue." All I could do was say, oh and think to myself, I have got to get out of here before the crap hits the fan and she tries to blame someone else for a mistake/stupidity she made.
Once before she held an employee's check, I informed her it was against the law to do so, a clear FLSA violation and she did it anyway. Another time she wanted staff to work a company picnic and not pay them. Unbelievable.
I've paid off 3 CCs and upped my contributions to my IRA. However, I recognize that this isn't enough and I want to start participating in my company's 401(k). Now the company doesn't match, but I'd like to contribute about 2-3%.
The problem is that I have no clue on which funds to pick. I think I'm aggressive a tad bit and want to see my funds grow quickly. I'm also conservative now with how I spend my money. So I guess I'm in the middle
Just wondering if you all can help me pick some funds? If so, that would be great. I've included a screen shot of the funds offered below.
Read this article on the "Money Magazine" Twitter page and thought I would share, interesting .
I noticed that if I comment on someone's blog, and there are follow-up comments, I do not receive the notifications. My email address, is noted to receive notifications.
I do not receive the notifications when comments are made on my blog, I use to but I'm not sure what happened. Can anyone help with this?
I did check my spam and nothing.
Well I finally made it to the Derby, and it was the trip from hell.
Normally the BF and I travel by ourselves, but for some strange reason we decided to travel with another couple, friends.
First, we got there the plane was delayed. Then we get lost and head into the wrong direction, we didnt make it to the hotel until 4am. Oops I failed to mention we asked our friends to rent their own car, we didn't push the issue but never again.
By 9am they were ready to get moving. With only one rental car, I'm annoyed. Keep in mind both me and the BF was up the day before at 4am, we both worked and didn't get in until 4 am, by time we settled it was 5:30 am. This is why you rent your own car. So we get moving at 12:30 but all the places I want to visit are closed due to the Derby. One place was willing to see us, we were about a hour and a half away but the friends stated we wouldn't make it. Normally the BF and I would have just went.
So we go ahead and head to the Oaks, I'm excited but the friend's husband decide to get into an altercation with a man who was hitting on his wife. Unbelievable. So now my BF is annoyed. We leave after the Oats.
Fast forward day of the Derby, we decide to leave at 12 but had to wait for friends about 30 minutes, again you should have your own car. Oops I didn't mention, my BF came down with a terrible cold or flu. We head out to the Derby, only to be stuck in traffic for over a hour. We then get ripped off by the taxi bike driver. We enter go place out wages and I'm ripped off by the teller.
We find a place to sit in the infield, big mistake, never again. Everything is going well but my BF is really sick. So my friends husband decide he wants to use racial epithets (the C word) now my BF is furious. Thank God I didn't hear him, because I know I would have said something. Long story short never again.
Now we return to the hotel and guess whose sick? Me.
That's it in a nutshell, mind you I kept somethings out.
It's National Mobility Month, and my friend Vaughn Mansfield is in need of your votes for a paraplegic van.
Please vote for him at
Checked my Survey Savvy account and I had a balance of $13, so I decided to cash it in. Once received I'll add to my challenge. I only wish I could sign up against with Pinecone
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