Words for Parents

I have seen this newspaper clipping floating around the internet for a while now and it suddenly struck me that maybe the judge is talking to the wrong people. Maybe the people who need these words are the parents. And they need to be said to them before their kids...

Dear 23 Year Old Me ~Some Financial Advice

Dear 23 Year Old Me, Congratulations! You got your first big-girl job! No more waiting on tables, standing behind a cash register, or substitute teaching. You are a full-fledged teacher with a full-fledged salary ($22,000 looks huge compared to the $5,000 you used to...

Help: I Can’t Afford My IVA

What Is An IVA? An Individual Voluntary Arrangement (IVA) is a long-term, legally-binding commitment to clear personal debt. Over the term of your agreement, normally five years, you are legally obliged to make a monthly repayment towards your IVA until the full...

Get Out of Debt in 2013

The New Year begins tomorrow and all the resolution-making is happening now! I usually don’t make resolutions because I find that I really don’t want to do them in the first place! However, I will encourage everyone to make it a goal to get out of debt! I...

Connecticut – How to make sense of it all

I found out the news through seeing personal expressions of grief on Facebook. I then Googled “Connecticut shooting” and read of the horror myself. My heart broke.  The loss of such innocent young life is as unfathomable as it is unbearable.  So many, so...

It’s a Mom’s Life

I have been a mom for almost 14 years. I have been a stay-at-home mom for 12 of those 14 years. I will be the first to admit that I am not a pro at parenting, but there are streaks of genius along the way. Today was one of those days where I had an “AHA”...

Why I Will Never Do Elf on the Shelf

If you haven’t heard about Elf on the Shelf you may be child-free or living under a rock. In the last few years this little phenomenon has become so popular that whoever came up with the idea is probably a very wealthy person by now. I first heard about it from...

Investing Education Update

Early in November I mentioned that I have a goal of learning how to invest. I went out and borrowed 3 books from the library on my quest to an investment education. So far I have learned that reading about investing still puts me to sleep. However, I have made some...