Untitled

[theodene]

I'm still in debt...

I’m still in debt…

I don’t know about you, but I. Am. Still. In. Debt. 

How do you get out of this limited mindset? I want to be debt free, have more and spend more. I want to buy our first home. I want to take my family on debt free trips and pay for all of it with my abundance. I want all my debts completely eliminated!

After all these years of having this blog, I feel like I’ve gone nowhere! Here’s to a future…

View On WordPress

[theodene]

And then you got the pink slip....

And then you got the pink slip….

Everything’s going all fine and dandy. You love your job, your finances are back on track, your family is healthy, and you are loving life. Then your boss calls to speak with you. He says your position is being cut. You have several months in the position and he encourages you to look elsewhere for another position. 

Your brain slams on the brakes! What just happened? How did you not see this…

View On WordPress

[theodene]

2017 budget goals

In this new year, there’s new budget goals! I hope to pay off some credit cards, lay off the spending, and build up a savings. I know we’re already a month in, but, what are you still shooting for?

Goals need to be written, something tangible, something specific, something measurable and have a deadline. Break up the huge goals into smaller bite sized ones. I mean, you can’t eat a whole cake in…

View On WordPress

[theodene]

When someone you didn't expect gives you a Christmas gift...

When someone you didn’t expect gives you a Christmas gift…

The neighbors or coworkers give you a little gift this Christmas. You weren’t expecting it. You didn’t even think to get them anything. What do you do?

This is my dilemma every year, I swear. People give little somethings and I have nothing in return. You see, it’s not that I’m not in the spirit. It’s that I don’t think that far ajead a lot of times to consider getting or making things for others…

View On WordPress

[theodene]

3 places to job search

Sometimes, making ends meet financially is harder than it looks. Yes, you can budget. Yes, you can sell all that stuff you no longer need. But after that’s all said and done, are your expenses still higher than your income?

I’ve been there! Sometimes I still feel like I am, especially in seasons like this one where we’re so focused on spending time with family and gift giving. I don’t know about…

View On WordPress

[theodene]

Would you buy something if it came with a free gift?

There’s so many ads out there to get your last dollar before Christmas. Everyone wants to make a sale. Sometimes a purchase comes with a discount or a free gift or an entry for a giveaway. Whatever it is, does it help you to make your decision quicker to go either way? 

Currently, there’s a product out there that I’ve been using for a little over two months. It has benefitted me and I’m very…

View On WordPress

[theodene]

3 places to get those Christmas gifts!

Halloween snuck up on us. Thanksgiving came and went quickly. Now we’re heading towards Christmas, are you ready with those gifts??

You’ve come to the perfect place. I have TWO options for you: 1) support someone who sells through direct sales or network marketing, 2) order products online by December 12, and 3) craft fairs!!

Support someone

Okay, you may think I’m crazy, but direct sales and…

View On WordPress

[theodene]

Check the dates before buying!!

Just a little heads up!

When buying groceries, check the expiration dates on each product! I’ve had this happen more than once, yet I seem to forget to check dates quite often!

Yep, bought this sliced ham on Nov 12, but it expired the previous day! Aaahhhh!! I tossed the receipt so I guess this is a lesson to be learned!

Do you ever do this??

View On WordPress

[theodene]

So much I've read and sonlottle time to review

So much I’ve read and sonlottle time to review

Aloha🌺 my BaBookworm808 readers! Today is Saturday, September 17, Citizenship day! It’s a day to thank our Congress people and legislators for their hard work towards regulating our land. Who would’ve thought that they need to be appreciated? 

Anyhow, back to the topic, I have read MANY books in the last few months. I actually have about seven that I’m currently reading now as well! I have not…

View On WordPress

[theodene]

I took a risk and why you should, too

Wake up, take the child to school, go to work, pick up child from after school care, go home, sleep, every day the same routine. Yet, we spend so much time trying to pay off bills and save money for something big. How is that to happen unless we do something different?

Well, I was looking. I was researching to start my own business. I was willing to work a second job part time to make ends meet.…

View On WordPress

[theodene]

Summer Reading Program 2016

This is the registration week for the Summer Reading Program at the Hawaii State Libraries. It’s a free program that’s offered for any age, from babies to adults! Why not take advantage of that, right??

Well, my son and I finally made into the Mililani Library today to register. Their children’s area Summer Reading Program is run by volunteers, so they have limited hours. We made it just in time…

View On WordPress

[theodene]

Budget yourself!

In my last post, I mentioned how I have been saving receipts each month since January. I’ve started to add up the receipts to find out where we spend our money. Keep in mind, the cell phone bills, utilities, car payments, insurance, and after school care is not included in my receipts as those remain pretty constant. 

Wow, we spend approximately $800 a month combined at Walmart, Target, and…

View On WordPress

[theodene]

Where does your money go?

When 2016 started, I began trying to save receipts from all our purchases and place them in an envelope. The goal is to add up all the receipts for particular stores or types of purchases to see where all our money goes. Where does your money go?

I have an envelope for every month in 2016 thus far. I know these envelopes are missing some purchases since I’ve found balled up pieces of papers in…

View On WordPress

[theodene]

Simple Living Challenge with Bright Peak Financial

Simple Living Challenge with Bright Peak Financial

Yesterday, I received an email from Bright Peak Financial. I first signed up for their emails when I saw an advertisement for a free book about budgeting. Hey, I wasn’t going to pass up a free book! I love books! Every now and then, I get an interesting email about tips and tricks for budgeting. But, yesterday’s was a little different. The email suggests 14-days for their Simple Living Challenge.

View On WordPress

[theodene]

Jumpstart with enough nutrients to start the day!

They say the most important meal of the day is breakfast, right? It’s the meal you eat to start your day. You’ve just spent hours resting and your body has been working so very hard to digest all you are the previous night and now it’s time to start the day. 

Usually for me, I go with no food until about 10am. I’ve never really been a breakfast eater. I can last a few hours before going stir…

View On WordPress

[theodene]

Be careful what you wish for...

Be careful what you wish for…

It’s been a crazy weekend of oddball events. Several events occurred that I never imagined would happen and a slew of thoughts I never thought I’d think! Don’t let me get ahead of myself here, it seems to happen a lot lately. 

I’ve heard throughout mane phases of life to be careful of what I wish for. It goes the same for being careful what you pray for as well. 

If you pray for patience, whoa…

View On WordPress

[theodene]

The importance of gratitude

This article was sent to me via email from BrightPeakFinancial this morning. I thought it would be a great read for anyone and everyone. 

How an Attitude of Gratitude Can Build Wealth Let’s get started by starting a gratitude journal. Find a notebook, composition book, or free app and jot down THREE things you’re thankful for each day. 

Are you with me?

View On WordPress