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October 19th, 2021 at 03:03 am



Since June, I have been trying to file an unemployment claim. This nonsense that people are receiving unemployment funds so they do not want to work is just that nonsense. I haven’t received a thing in four months. 


I’ve tried calling the office, only to be disconnected. You’re unable to send an email. I can’t imagine what families are going through who are desperately in need of these funds. It’s absolutely insane. 


So today, I decided to write my state legislator, hopefully I’ll get some answers. I’m owed about $3000 and that money can go towards my bills. 

New Gig Alert

October 18th, 2021 at 11:58 pm

Great news, today I landed another contract, averaging about $8k a month. Thank God! 


I’ll admit, I was a little nervous with all that is going on; however, today I landed another gig and I’m so thankful. 


I’d interviewed for the role and really hit it off with the hiring manager. She liked myself and another candidate, went to her manager about budgeting for two roles vs one and it was approved. 


You all have no idea how thankful I am. This will be a big help. I’ll be able to pay off my second student loan. 

I’m also thankful because I think with me picking up these gigs, I’ll be able to kick things off with my business. 


I’m so thankful to God for this opportunity, journey that I’m on. 

Update - Lawsuit

October 14th, 2021 at 02:36 am

Well I don’t know where to begin. I’ll keep it short. 


I was so excited for my new contract, and ended up hiring legal to obtain my outstanding payment. 


Long story short, company signed a contract for services (their contract not mine), both parties agreed, the company wanted me in the office, basically full time, as a contractor. This was not apart of my contract/agreement. I actually warned them about hiring contractors to work as an employee. The company was to provide me 30-day notice, I’m okay if they didn’t but pay me for my one month of service at least. They chose not to pay me for the month, now I’m asking for the 10k that’s owed to me, at the advise of my attorney. 


I hate suing people. I probably wouldn’t if I didn’t need the money but right is right and wrong is wrong. Honestly if they’d paid me the $5k even though the contract called for an additional 30- days, I would have been happy. 


Next I’m dealing with a roof debacle, HOA is trying force new roofs that technically they’re required to pay. I can’t get a roofer out her to give me a quote. Found one and he wants close to $9k that I do not want to take out if my savings. I ended up hiring an inspector who stated based on his expertise the roof is not over 20 years old so now I’m fighting with the HOA. 


I received payment from another client, $8600. I took this money, paid my mortgage, HOA and COBRA through December, next payment isn’t until January. 

I charged a few things on my CC, mostly for the business (e.g. insurances, software) so $3k will pay off the card. 

All in all, I haven’t touched any of my savings. 


Some days I just want to cry but I’m still pushing. 

Checking in Sharing an Update

August 27th, 2021 at 11:47 pm


Whew it’s been awhile but I wanted to check in. 


As you all know, I quit my job, very toxic work environment. After I left most of my team quit.


Well I took a job about two weeks ago, my gut told me not to but fear had me to do it. Everyone was nice but the job itself I just couldn’t do. It was very antiquated and well below my skill set and I struggled. So I resigned. 


The very day I resigned, I landed a job paying $5000 a month as a consultant and the other consulting gig I had want me to clock 40 hours a week even if it means to watch videos at $2000 a week, so that’s $13,000 a month, gross. 


I also landed a content writing gig that pays me in gift cards for every article I write, $80 so I’ve written four so far. I choose Walmart because, I can not only buy groceries but other miscellaneous items as well without spending my own money. 


I’m so excited and thankful, that I thank God daily. This is the most money I’ve ever made and working less and less stress. 


Oops I also potentially have another gig paying about $50 an hour averting 20 hours a week to recruit. Waiting to hear back. 


I spoke with a friend who is an accountant to help me with setting up my business and that I can pay myself  via payroll, deducting my taxes and he will handle all my tax stuff, he’s doing this  for free. He is even giving me space in his office to use as my office for free. 

Oh and all gigs are remote 


God has truly blessed me and it that I’m thankful. 

I Need Your Help ❗️❗️❗️❗️

July 28th, 2021 at 06:04 pm


I have a dilemma and hope you all can help. As you know I left a very toxic work environment, and was recently offered a full time position that is significantly lower, $26.44 per hour, than my previous job. Benefits are not that great. 


I was told that the company is a great place to work, but the salaries are low, as you can see. 


I recently interviewed for and received an offer for a contract job, 8 weeks at $50 per hour working remotely. It’s doing what I love but it’s contract work. I can pretty much complete the task anywhere. Job one, I’ll have to be on the office. 


Here are my options that I’m considering:

  • Keep job one at $26.44 per hour and add the contract work, if things get too complicated quit job one and work the contract job at $50 a hour. 
  • Rescind my acceptance for job one and stick with job two at $50 a hour, continuing my search for employment. 


At $26.44 per hour in eight weeks, I’d make $8,460, this is job one. At $50 a hour for eight weeks I’d make $16,000. Almost double. The contract work, has the potential to be extended and I’ll be responsible for my own taxes. What’s your thoughts? 

Job Offer

July 9th, 2021 at 12:39 pm


Well I was offered a job. It’s about $5k less than I was making and way less than I wanted. I’m going to try and negotiate an additional $5k or one extra week vacation. 

It’s about 7 miles from my house, so about 15 minutes with traffic, much better than the 1.5-2 hour drive, each way. 


Benefits are okay, much better though than my last job. 


I’ve been looking for a job since January, prior to quitting and nothing. Yes it’s an employee’s market but employers are still slow to offer and very picky. 


Either way I’ll take it and keep looking until something comes along paying me what I’m looking for. 


I am waiting on another employer to make a decision. I submitted my project last week and was told I should hear something by next week, fingers crossed. I gave them the range I wanted, it’s fully remote as well. 

Check In

July 5th, 2021 at 05:36 pm

Hi all!

Hope you enjoyed your holiday. 


I wanted to do a quick check in. Last month I quit my job, well gave my resignation and my CEO terminated. It was an extremely toxic environment and I don’t regret it. 


Since quitting I’ve been trying to apply for unemployment with no luck, it has been a challenge getting on the site. Thank God I had money saved. This business of people living off unemployment and don’t want to work is a joke, because I have yet to log in or speak with anyone for over a month. 


I paid my HOA through October and my mortgage through August. I’m thinking about paying September’s mortgage  but holding off to see if I get an offer from a job I interviewed for last week. If nothing by next week I’ll go ahead and pay. 


I have an interview with a different company tomorrow, fingers crossed. 


I picked up another side hustle, about $200 a week, this will cover my basic bills (e.g. lights, water) my other gig will cover the mortgage. So all in all I don’t have to touch my savings. 

Quit My Job

June 13th, 2021 at 09:42 pm


Well I decided to leave my toxic job. I’ve never done anything like this but my peace, and health was more important. 


I witnessed a ton of abuse, as well as illegal activities, my blood pressure skyrocketed and I had anxiety as well as insomnia. I really want to report them but but doing so will blackball me. 


Thank God I started paying down this debt,  saving money and refinance my house. Without doing so I would have had to stay in that environment. 


I had a few interviews last week and I’ll be applying to a few more. I have about 8 months worth of expenses save. 


Saw the doctor and now that I’m gone from that place, my pressure decreased and the doctor said she may can take me off. Just waiting on my blood work to come back. 


I’ll be applying for unemployment. I also still have my side hustle so that will pay my mortgage every month. 

Join me via Slack

November 27th, 2020 at 09:12 am

Hi all,


Hope all is well, and everyone had a great holiday. It's been awhile and so much has happened, positive things for sure. 

I created a new Slack channel and wanted to invite anyone who would like to join me. The link is below.

Goodbye Saving Advice

October 20th, 2020 at 04:32 am


Hi everyone,

I’ve decided to leave Saving Advice, I’ve been blogging since 2006. It sadden me that this has come to this but the site is not what it use to be. 


There’s too many problems, the inability to post constantly drive me nuts. 


Periodically I’ll stop by to check in; however, I’m giving up the blog on a regular basis. 


I’m sharing my email address, below if anyone wants to stay in contact.



Lastly, I want to say thank you to everyone who has followed my journey, prayed for me and given me the best advice, you all truly are amazing. 



Happy Labor Day!

September 7th, 2020 at 09:12 pm

Wishing everyone a safe and relaxing Labor Day

Hurricane Laura

August 27th, 2020 at 12:06 pm

Sending hugs and prayers to our Saving Advice family located in Texas and Louisiana.

Please stay safe


August 15th, 2020 at 09:19 am

I’ve been painting my kitchen cabinets and they’re turning out okay. First I learned, if the paint has streaks, use a sander, then it was use a sponge brush. Now I’ve removed the hardware. All in all, it’s coming out pretty good, and I’m happy I’m able to revamp my kitchen without paying a arm and a leg to do so.

This past week was slow, I completed a survey in that I earned $20 so I paid $20 towards the student loans. Next week is pay day, so I’ll be able to make additional payments.

Lesson Learned

August 4th, 2020 at 03:38 am

As you all know I’ve been saving for a bedroom set, I took half of my saving a paid on my student loans, thinking I could save another $700+ by end of the year.

Well I get a call from my sister and her friend is selling a wood bedroom set. Though wood isn’t my first choice, if the price is $500 or less I’ll make it work. I’m going on Wednesday to look at it. Fingers crossed.

Well I looked at the loan docs and I’ll admit, I questioned the amount, it was explained; however I didn’t realize I didn’t understand until I got my statement. I consider myself pretty literate, however I guess not. Basically when the loan officer/broker told me that I was correct that the balance was the $109k she didn’t explain the charges. So I assumed that was what I was financing, lesson learned. I’m annoyed, only because I told her I felt like the process was being rushed, two, when communicating I think she deliberately played on my ignorance. I also received a gift card from here with a note that it was my application fee. I’m pissed because I questioned this and she told me it would be refunded after the closing, well she didn’t tell me it would be in the form of a gift card. Didn’t know I had to ask if this would be a check, gift card or cash.

I also received a huge check today for my escrow and taxes. I’ve put this in my EF account, contingent on the tax bill in November, I’ll use this to pay the bill, I’m almost certain I won’t have enough in my escrow account. What ever the balance is after taxes and insurance, I’ll pay down the principal.

Long run when I look at it and crunch the numbers, the overall savings is worth it. My break even is actually two years. I’ll start back paying an extra $100 on the principal.

August is Here, and So Much To Do

August 2nd, 2020 at 12:49 pm

Hello August!

I can’t believe we are eight months into the year.

On top of COVID, now we are dealing with a potential hurricane. I’m praying that this thing remains a tropical storm ⛈ , or at the mist a category 1 storm, I’m so over it.

Thankfully, I’ve been stacking up on supplies for COVID and hurricane season so I didn’t have to go out in that mess. The lines were crazy.

I called the SO, to see if he thought I should put up the plywood, he said no since it was a Cat 1 the day before and it looks as though none, except for one, of the neighbors are putting up anything either. We are getting some rain that’s it right now.

I received my statement from the new mortgage company and the balance owed is $10k more, not sure why so I’ll be calling them on Monday. I also received my escrow refund from the old company, that I’ll put in the bank. I have a feeling I’ll be billed in November and I want to make sure the money is available. I’ll tell you the truth, I was so tempted to take this money and pay off my lowest student loan, then save for November taxes and insurance. I also need to call my old mortgage company, I haven’t received my refund for my last payment.

Monday will be a busy day on the phone.

Since last week, I’ve been decluttering. I realize that I’m less productive with clutter, and I spend way too much money on junk, well I use to. Yesterday I found things that I had no idea I had, 2-3 of the same stuff. I trashed so much unopened makeup 💄 it was ridiculous. For each project, area I declutter, I’m throwing $5 into my challenge fund, so far I’m at $30. I tell ya it feels really good to get rid of junk. I vowed not to buy a thing until I use what I have.

I’m so sore from the bending, moving, stretching et cetera, that I might take today off and just relax; however, I really want this desk area/mini office finished.

Apple Stocks, What’s Your Thoughts?

July 30th, 2020 at 10:12 pm

It’s new to me but old to most. I read Apple approved to split their stocks, 4 to 1, they closed out at about $400, that’s about $100 a share after the split. Something so simple gave me so much joy, just a week ago I had no clue what a split was or how to calculate, and today I’m smiling because I have a clue.

Now, as I mentioned earlier I’m in no position to buy stock but I couldn’t help but play the game. Even though Apple is a viable organization, what’s going to happen next year? I’m anticipating that sales will plummet. Right now we have high unemployment, high GDP, we are in a recession but most haven’t felt it yet because the government is pumping all this stimulus money into to economy. So with that, I’m anticipating that Apple’s stocks will decline. So if I was in a position to buy, I think I would hold off until the top of the year, when stock prices decreased a tad bit more, purchase and later experience the increase once things bounce back.

For you pros what’s your thoughts?

Please be gentle, I’m new to this.


July 26th, 2020 at 07:03 pm

Today my friend’s mom died. She fought a long fight with this virus, please practice social distancing and wear a mask.

After I got the news, I started decluttering, my house. I tackled the kitchen (lower cabinets )and then moved to my master bathroom. In doing so I found I have a leak. I’m so glad that I’ve been saving since I moved into the house for home repairs. I called my handyman who should be here next week.

New Side Gig

July 21st, 2020 at 09:12 pm

Excited, I picked up another side gig for about $60 for a hour. Of course this will go towards the student loans.

I’m really hoping that my business would pick up, but it takes patience.

Refi - Help

June 30th, 2020 at 09:27 pm

I was really hoping to close before the first. I have not heard a thing from the title company so I reached out to the broker. She’s telling me to hold off from making a payment. I’m nervous about that. She says if I pay, I’d get reimbursed, anyone know anything about this?

Sunday Rambling

April 19th, 2020 at 09:45 pm

I’m so thankful for this blog, you all often provide great advice.

I’ve been saving as much as I can. Outside of my grocery and electric bill, my expenses have been extremely low. I’m hoping my manager will continue with the work from home option. So far I’ve saved about $150 in gas alone.

I notice that there has been a spike in the cost of food, an 18 count of eggs 🥚 were just over a dollar now it’s $2+. I understand the supply and demand has impacted these increases, but I can’t help but think yikes!

As you all know, I’m in Florida and people are hitting the beaches in droves. I’ve decided to continue with social distancing, only heading to the store when I need items. No pool or beach for me.

I’ve also been keeping myself busy, attending virtual movie night, virtual BINGO, virtual happy hour and painting a wine glass, all have been fun. I’ll admit I’m a little antsy but safety first.

I’ve also been walking more, I’m down about four pounds, I’m hoping to hit my goal of 10lbs over the next 30 days.

Well that’s it for me

Finally Realizing My Worth

April 13th, 2020 at 02:15 am

This pandemic has made me realize that I want to hit FIRE sooner than later. I was pretty much doing what I should, adding to my EF, saving for upcoming expenses, adding to my 401(k) and paying down debt. I’ve even cut expenses.

I realize my biggest obstacle is my income and fear. I’m worth so much more than I’m paid, I was always taught when you get a job you stay, take what’s offered don’t negotiate. But at 65k for the amount of work I do, and my accomplishments while on this job (implementing new processes that streamlined hiring, recouped the company over $100k, saved us 5% on health care premiums) for the size of the company I work for, it’s a joke. I’m under paid by $30k for my position, for my current role in the area I’m in.

I recently stepped out on faith and applied for one director’s position, $100k, and one VP position, $200k.
I refuse to take less than $100k a year, those days are over

I hold a masters, two certifications and over 10 years experience. I know my crap, people reach out to me all the time. I’m going to start charging for coaching. This pandemic made me realize, years of fear has allowed me to sell my self short.

Wrong Just Wrong

March 30th, 2020 at 12:54 pm

I can’t understand why we are not cutting non-essential contractors before we lay off staff.

I’m really upset with this. We’re paying a cleaning crew six figures to clean, that doesn’t even show up, or when the do, don’t clean. This was way before COVID-19. Cleaning crew owned by board member, conflict of interest no🤷🏾‍♀️ especially if their services is more costly and ineffective.

We’re paying someone to clean the buses that aren’t running, and we have bus drivers who do it anyway, well before COVID-19..

Wrong wrong wrong

Home Refinancing

March 27th, 2020 at 07:15 am

I’m considering refinancing my house. It appears as though I can get it down by two percentage points.

One thing I can’t stand and that is feeling rushed. I keep getting the send this by this time and that time etc. Well the broker sends me the documents at about 9 pm last night, tells me to review and sign by 10 am. Wtf I work.

She tells me in the email, I’m getting a $2,000 refund or I can use the money to buy down my interest. I’m excited about the refund but wondering why. I glance through the documents and notice the loan amount is rounded up. I think nothing of it, put it in my list of questions.

Now it’s 3am I’m up and I have an ah ha moment, so I think. I’m thinking the loan balance is about $18,000 so it’s rounded up and figured that’s where the $20k came from.

Well that can’t be it, I checked and the balance is actually less than $110k. Now I’m wondering if it’s worth the refi if I’m paying extra on the principal anyway. I don’t want a refund, I want to finance the balance, $110k, at a lower interest rate.

I’ll review the documents in detail and get my questions together. I refuse to be rushed through this process.

My Advice To Employers

March 26th, 2020 at 12:44 am

Having worked in HR for many years, coupled with a MS in HR management, and HR designations that keeps me abreast of new laws, guidelines etc. I highly recommend that employers follow the guidelines coming down the pipe from DOL, OSHA , EEOC and other agencies. Unhappy employees equals, more complaints that equals if you’re not doing your due diligence lawsuits, hence huge pay outs.

Trust me on this.

Covid-19 Update

March 20th, 2020 at 08:20 pm

So prior to the new e-FMLA I made a recommendation to open our schools to staff. That request was denied, citing, we can’t pay employees. Well post e-FMLA, I mention that staff will now be able to take leave, non-paid, when it comes to child care, and we must restore the position. Now leadership says it’s okay to open the school but the employee must pay. 🙄🤦🏽‍♀️

I realize that the company I work with, definitely doesn’t consider/care for their staff. It’s awful. I had my feelings, but everything has come full circle.

One question, I’m definitely asking employers when I get to the point of interviewing, how did they respond, pre, during and post COVID-19? Awful just awful

I made a request to temporarily suspend the wait period for STD when it applies to COVID-19, was told no.
I’m so disappointed