2020 – The Year of the Emergency Fund

For some of us, 2020 was supposed to be the year of resets, freedom, and new beginnings. It didn’t turn out that way, unfortunately. Sigh.

With no end in sight to the coronavirus pandemic, we cling to hopes of a vaccine and medical treatments.  It’s all scary, tiring, and depressing. This, combined with a draining job, has resulted in my not posting much this year.

The Job

The job is still draining and stressful and I’d rather be doing any number of things instead, but given the current environment, I’m grateful to have any money coming in. Three more people in my division have been let go. One of those let go was in my team.  Read More

As the World Turns: COVID-19 Edition

I should be halfway around the world right now, dining on exotic delicacies.

Instead, I’m at home ordering mundane, yet much appreciated, delivery.  Yes, that’s right. I had to cancel my trip. Thanks to COVID-19, I, and millions of other people aren’t going anywhere, any time soon. %$#%$#!!^%#. Sigh. %$@$^$!!^#$

In a miracle, I was able to get most of my money refunded. However, I lost at least $1,100 from non-refundable charges. 😦 Well, now I get to work more instead of taking a vacation. Yay me. (Not!)  Read More

Mo’ Money, Mo’ Problems, Mo’ Plans

Howdy, folks! Welcome, 2020!

It’s been almost a month since my last post. I’ve been busy with work and the stuff of life.

So what have I been up to since the day I told debt to go pound sand?

I’ve been spending my take-home pay without a budget for a couple of months to feel normal again. This is temporary. I will go back on a spending plan again soon.

During this month, January, I’ve focused on buying new clothes and shoes for work, and decluttering. I donated old clothes and things that I wasn’t using to Goodwill.

February will be the start of my focus on make-up and hair. This phase will require A LOT of experimentation, because I’m even more clueless about hair and makeup than I am about shopping for clothes. So I expect it to last for months. LoL                              Read More