Oops Just Went Over The Car Budget
May26

Oops Just Went Over The Car Budget

I had a few car expenses come up this month that put me over the budget for the month. I had the money to pay for everything because I have a Car Fund as part of my zero based budget. I put in a set amount of money into a sub account every single month and that amount builds up in a little emergency fund until I should ever need to use it. Unfortunately this month that time came and I had to use a good chunk of money from the car...

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Stressing The Importance Of The Emergency Fund Once More
Apr18

Stressing The Importance Of The Emergency Fund Once More

Many personal finance bloggers will tell you over and over how important the emergency fund is. I have spoken about building my own Emergency Fund but never really took note of the importance until I really needed to use it. I lost my job and having no income meant that I needed to find a way to live on a daily basis until I could find an income stream. I was told early on that you needed to have three months of living expenses saved...

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Still Looking For  A Job
Jul25

Still Looking For A Job

So I am still looking for a job and it is harder than I thought. I have joined a number of job boards and posted my resume in a few different places. I got referrals from people who thought there might be openings but all I was told is they will keep my resume on file. I have gotten  a TON of rejections and they mainly stem from two major issues: -I am overqualified -I lack experience It is so extremely frustrating to be overqualified...

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Why Aren’t You Buying A House Instead Of A Car
May04

Why Aren’t You Buying A House Instead Of A Car

I recently had a conversation with a friend who asked why I was buying a Lexus instead of saving up to buy a house. I had never really thought about that but it did trigger a set of emotions in me. I do have a fund in my ING account called Car Fund where I am currently putting in the amount that I used to pay on the car loan before I get debt free. I have been thinking about getting this Lexus for a long time and it has been one of my...

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My Sinking Fund Accounts
Apr18

My Sinking Fund Accounts

A Sinking Fund account is one where you put money into a savings account to pay for future expenses. I did not know that was what they were called, even though I have been using sinking fund accounts for a long time now. I still question the use of the word ‘sinking’ because the money is actually growing until you decide to use it but there must be some explanation that I am too lazy to look for right now. Here are the...

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