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!
My First Entry!
March 18th, 2015 at 04:05 pm
March 18th, 2015 at 04:08 pm 1426694885
March 18th, 2015 at 04:08 pm 1426694886
March 18th, 2015 at 04:08 pm 1426694895
March 18th, 2015 at 04:16 pm 1426695372
Hey, does anyone know why my apostrophe's are coming up coded funny? Hard to read....
March 18th, 2015 at 04:38 pm 1426696702
Welcome!
March 18th, 2015 at 05:05 pm 1426698355
March 18th, 2015 at 05:14 pm 1426698890
March 18th, 2015 at 05:30 pm 1426699856
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.
March 18th, 2015 at 06:17 pm 1426702660
March 18th, 2015 at 06:36 pm 1426703767
March 18th, 2015 at 06:36 pm 1426703790
March 18th, 2015 at 07:05 pm 1426705551
March 18th, 2015 at 11:11 pm 1426720273
March 19th, 2015 at 08:01 am 1426752112