Halloween for Frugal Folks – Low/No Cost Costumes :)

This is it – the big weekend of Hallows Eve.  With Halloween being on a weekday, most parties will be taking place this weekend.  For those of you last-minute costume people,  I took to Pinterest to find some great frugal ideas for your costuming delight.

Obviously, money related first…Parents, you can be bandits and make your kid the loot!

Low budget?  I found just the thing!

This creative superhero:
Love this!  via

Continue reading “Halloween for Frugal Folks – Low/No Cost Costumes :)”

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It’s Payday!! Non Budgets & Allocations…See Where My Money Goes.

The moment I have been waiting for all month…It’s payday (technically the 20th)!!

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Ok, Ok – It isn’t quite that much that I can afford to buy you all cars.  🙂

As I have mentioned in previous posts, I get paid only once a month (minus the few month shit show I cursed upon myself).  Because of that, payday is like Christmas around here.  On the eve of, you can often find me baking cookies, caroling from door to door, and waiting for ol’ St. Nick to electronically deposit my check as the clock strikes midnight.  It’s a BIG deal!  But once it’s here, what  do I do with my hard-earned cash?

Well, let’s start with a little confession...I don’t use a budget.  I know, I know – how can I write about FI without a stinkin’ budget?  It’s just not my style.  But, don’t you worry, my finances are not in complete anarchy.  I have a non budget system that has worked pretty good so far and it all started with tracking.

At the end of last year I began tracking my spending.  Every dollar I spent was put into my handy-dandy spreadsheet and tallied up at the end of the month.  I thoroughly enjoyed filling in each blank spot (yes, I’m a nerd) and seeing the grand total automatically tallied at the end of each month.  What I didn’t enjoy was seeing how much money I was wasting shopping all high falutin at Whole Foods and enjoying lunches out with my day drinking gals – the flight attendant life creates many occasions to sip wine at 11am 2pm on a weekday

Personalized Custom Engraved Flight Attendant Good Day, Hard Day, Don't Ask Funny Stemless Wine Glass, Beer Mug, Pilsner Glass, Coffee Mug
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Life was expensive!  Money was pouring out of my wallet, into my glass, and down my gullet.  You see, when your job is extremely flexible, you can pretty much find any reason not to go.  Weather sucks, dog is lonely, boyfriends neighbors sister has a birthday…all great excuses to be lazy.  With a lazy girl schedule comes an emaciated paycheck.  Though I wasn’t scraping bottom, I knew that my days out were time that could better be spent working and making money instead of eating it. Continue reading “It’s Payday!! Non Budgets & Allocations…See Where My Money Goes.”

The Aunty Fund – Teaching My Nieces and Nephews All Things Money

This weekend was awesome.   I had a chance to spend time with my mom walking around my favorite lake in Lake Geneva, Wi., I maxed out my Roth IRA (!), and I was reminded of the importance of giving back – not once, but twice.  

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The first reminder came when I read The Giving Fund on Ms. Montana’s blog, Montana Money Adventures.  Though a giving fund (charitable giving) is not a new concept, her post really put into perspective what these accounts can do and sometimes at just the right time.  The story she wrote is truly inspiring and a definite must read.  🙂

The second reminder came when I interviewed my BF’s 13-year-old son about money.  Here is a snippet of that conversation:

Me – What do you think is the most important thing about money?

Him – It can help you live.

Me – What if you had all the money in the world.  What would be the most important use of your money?

Him – Giving it to other people so they could live too.

So cute!  He didn’t want to buy a big mansion or a jumbo jet…or maybe all the money in the world had already bought him those things.  The point is, after he had it all, he wanted to give back.  It is in that vein that I have decided to put my money where my mouth is.   Continue reading “The Aunty Fund – Teaching My Nieces and Nephews All Things Money”

Why My Savings Rate is So High…

This post was featured by Rockstar Finance. If you clicked over from there, THANK YOU, and I hope you enjoy the read. If you just happened to wander over here and are interested in all things Personal Finance or FIRE (Financial Independence/Early Retirement), I highly recommend you hop over to Rockstar Finance to check out their site and all the awesome bloggers they host weekly.  Oh, and don’t forget to check out the Rockstar Finance Forum where you can chat PF to your hearts content. Thanks for stopping by and I hope you will follow along on my long and winding road to FI!  Now, on to the post…

In recent posts, people have commented and some have been amazed by my above average savings rate…I would like to take this opportunity to confront the elephant in the room…

In case you haven’t read this post or this one, I’ll save you the suspense by saying that this year my monthly savings rate has fluctuated between a low of 57% in September to a high of 94% in June, currently averaging 75% for the year.  I’m pretty sure when people read that they think one of three things:

  1. My income is REALLY high,
  2. I have a sugar daddy or someone else footing the bill, OR
  3. I must be holed up in my house between long stints at work trying my damnedest to not spend a cent.

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Pretty far from the truth…unless I am reading a book in which case you can find me curled up on the couch.  The truth is, 75% is a high savings rate – but it is also completely relative to MY lifestyle… Continue reading “Why My Savings Rate is So High…”

Getting Financially Naked – 3rd Quarter Financial Update

Well, I’m home from my vacation to Chiang Mai via Hong Kong.  I was a bit nervous for this trip having never been to Asia before…oh, and due to my trip revolving around a week volunteering at the Elephant Nature Park and the possible chance of a stampede (which I am happy to say didn’t happen).  So nervous, in fact, that my last post was written in honor of the will I wrote to leave behind in the event of my demise.  I am quite grateful that no one in my fam had to read it!!

Anywho, I am back and still suffering the effects of jet lag which has left me wide awake even though it’s 11pm…2 hours after my normal bedtime.  🙂

We just finished wathcing game 2 of the NLDS where our Cubbies took a shit…no worries, many more games to come!  In an effort to lick my wounds from watching said game, I decided there is no time like the present to dive into my 3rd quarter numbers.  Like the game, there were some highs and there were some lows…unlike the Cubs, I still came out on top…

Obviously not me – I would NEVER accept singles!!  😉    via

My last (and first) financial update posted in July of this year.  I was terrified to be so transparent with my money, but I also realized that it is blogs like this one that helped me get on the right track financially.  Tracking my net worth (and specifically my spending!!) helped me see all the comings and goings of my money.  It was a big eye opener to see the holes in my FI goals and slowly fill them in, for example, starting an IRA in April!  Now, a few months later, I am happy to let it all hang out (minus my identity!) and blow in the wind.  It feels freeing to say this is who I am (financially) and I am open to  hearing any thoughts or ideas about where I can go from here.  I also love to help people get on track so feel free to reach out at any time!!  🙂

So, back to my first post…I called it The Million Dollar Club and My 2016 Half Year Financial Update…catchy.  😉  Fell free to read it in full, but here are the cliff notes: Continue reading “Getting Financially Naked – 3rd Quarter Financial Update”