Gentle reminders to myself. Add yours in the comments.
Emergency fund is NOT for:
1. Vacations with my family even if it’s a wedding.
2. New work clothes
3. Hockey playoff tickets
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From the category archives:
Motivation
Note: I’m quite busy at work with some transitions, so I’m dragging something out of draft mode. I penned this about 14 months ago. My friend has had her baby and he’s beautiful.
I was talking a few nights ago with one of my girlfriends from San Francisco. She’s doing the big trifecta in 1 year. [...]
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In the short term I have a lot of cash needs. Rather than selling off some stock and incurring some capital gains taxes, I’m poaching some assets. I’ll be getting my tax refund soon, but not soon enough.
I could break a CD, since it’s not making much interest. It forms the cornerstone of my Save-O-Meter/emergency [...]
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I’m having some professional difficulty right now and I feel like quitting and finding a new job. Unfortunately, I don’t have an emergency fund to float me during a period of unemployment. I have the windfall from the sale of my car and my tax refund which won’t be coming for a while since I [...]
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I’m not a fan of Dave Ramsey, but he’s spot-on about having ‘gazelle-like intensity’ when it comes to debt repayment.
This year, despite whatever financial crisis my parents are having or whatever they want (like a new-ish car for their 40th wedding anniversary), I need to pay down my debt. I have flat out told my [...]
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Many years ago when I was underemployed and living hand to mouth, a fairy godmother dropped $2K into my lap. I had missed a car insurance payment and been dropped by the insurer like a stone. I had to buy into Maryland’s state auto insurance for bad brownies, but it would cost me more than [...]
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I got a happy call today from my boss. I was nominated for an award at work for being a stellar brownie. It was approved by upper management and I’ll be receiving $1500.00 on my next paycheck. After taxes and 401k deductions, I should end up with about $800-900.
The question for you is:
Should I snowflake [...]
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My company has some rockin’ benefits. They make personal finance coaches available to employees to cover a range of topics, including debt reduction, budgeting, saving, retirement planning, insurance, and portfolio management.
I’ve been with my company for just over a year and a participant in the 401k plan for about 12 months. I have been buying [...]
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I have moved my meters. My Save-O-Meter is down to 4% right now. I started liquidating it to pay down my credit cards and cover my travel expenses to CA this month for my father’s 70th birthday.
The flipside is that I got to move my Debt-O-Meter to 24%! I’m very excited about this since I’m [...]
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On my 2009 action plan, I actually cleaned some stuff up at my apartment. I didn’t realize how much my shredder was getting filled. I dumped one bag of trash, one bag of shredded papers and one bag of recycling. heh heh. I even overheated my crazy huge shredder so I have to go back [...]
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