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My First Entry!

March 18th, 2015 at 04:05 pm

Hi there, ho there! (What a cheesy way to start this blog...sheesh...)

I'm Liz. I'm 35 (36 tomorrow!) I was born and raised in the Bronx, in New York City. I've been posting here and reading blogs for over 2 years now, and finally decided to take the plunge to start my own. Scary stuff, I tell ya. I'm in the beginning stages of a total financial makeover. Which will help me with the total life makeover I've got planned.

The good: I've got a stable job, making good money (I actually just got a promotion, and my first paycheck with new higher salary will be 4/17). My housing expenses are low, as I moved back in with my mother last year to be able to pay off debt and save money. It's taken much longer than I had hoped to get started on that, but within my next few paychecks, should be able to start hammering it out. I've got a comprehensive budget, which includes a plan for most of my goals. Needs work, and I need to give myself a little more room in grocery and clothing spending, but it's a good start.

The bad: I've got a bunch of old debt hanging over my head...previous credit cards that defaulted, and other nasty little collections accounts. My credit score is in the toilet (although rising due to recent good behavior). I pay too much for my car, but this is my atonement for my previous sins, so to speak.

The ugly: I have no savings. None. I live paycheck to paycheck, and I have a big fat ZERO in retirement. With 30 years to go, need to get cracking on that.

Sooo, that's my story. Once I figure out how to add things to the sidebar, I'll be adding goals, and balances, and such. This site has been so helpful for me to get my head in the right place over the past few years...I don't think I'll ever live frugally, but with your help, I'll be able to live smartly!

14 Responses to “My First Entry!”

  1. creditcardfree Says:

    Welcome to blogging on SA!

  2. Petunia 100 Says:

    Nice to see you on the blog side, Liz! Best of luck to you with your goals. Smile

  3. scottish girl Says:

    Welcome! Go to Control Panel, View and edit blog settings.

  4. LizfromtheBronx Says:

    Thanks, all!!!

    Hey, does anyone know why my apostrophe's are coming up coded funny? Hard to read....

  5. CB in the City Says:

    You're probably pasting from Word? If you enter your text right into the box, the apostrophe's will come out okay. But I advise you to copy your text before you publish in case it gets lost....

    Welcome!

  6. LizfromtheBronx Says:

    Thanks, CB! Yes, that's it...I drafted in Outlook since I didn't want to lose what I wrote. Guess that isn't the best method!!!

  7. chloe Says:

    Welcome! Looking forward to reading more about you, your goals, and your progress!

  8. Bob B. Says:

    Welcome. I had a heap of high interest debt when I joined this site almost four years ago. As I'm sure you're well aware, there's no magic wand, or silver bullet to eliminating it. You have to earn more, or spend less, or it works best when you do both together. Congrats on taking care of that first part with the promotion and raise. The second part is even harder, because you will likely try to tell yourself that you earned that raise, so you should be able to treat yourself!

    Another important thing to remember as you eliminate debt is that if you do lose your way for a while, get right back on track.

    One final note - I did start saving for retirement a little bit earlier than you did. I was 28 when I started. But, it doesn't take long, once you've started, for that retirement savings to grow! Start saving now, and I bet in 10 years, you won't believe how bug your account is.

  9. Ima saver Says:

    Welcome, we are glad you have joined us.

  10. LuckyRobin Says:

    Welcome. Glad to see you here. I really do feel keeping a blog helps with achieving goals.

  11. LizfromtheBronx Says:

    Thanks for the welcome, all! I was able to edit the post so it's a little more readable, and able to add sidebar items!

  12. Bluebird Says:

    Welcome!

  13. Shiela Says:

    Welcome to SA.

  14. scottish girl Says:

    Happy Birthday!

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