Steps page 23

One fear about I have about my Finances; Not being able to save enough for the "perfect" retirement for my self and family.  I don't want to work for the rest of my life.

One mistake I have made with Money; besides spending too much..Probably not saving enough for the past 15 years!  I would have so much more!

Three people I would/could talk to about my personal financial situation(s); Mom, Shayne, Heather.

Budget

I just did my monthly budget and it came out with $60 bucks left in my bank account until I get paid next which is a week today!  yikes.....

But this is going to be ok..I did this budget also to show my husband what is happening in MY financial world.  This is also a place were we need to work as a couple.  I have no idea what his accounts look like.  And he doesn't know what mine looks like.  How are we supposed to move forward in this guessing game.  I can tell you that this has been a real strain on our marriage but that's another blog....

In the coming weeks I am going to make a real effort to work with him and make our relationship strong again or at least for the first time with a healthy financial future.  

Talking about this NOW!

The following paragraph(s) is a re-cap of our first discussion into Smart Cookies, I won't be adding what was said by other members as it's personal and up to the individual. I will be adding my thoughts thou.. The following topics, which were discussed at length, were taken from the questions found at the end of chapter one: Being more open to others about our financial situations Our one most significant financial weakness – both members found this question insightful and both felt it was beneficial to acknowledge it. The one thing we could change about our current financial situation. The Financial advice we wish we had received earlier. Finally, what we hope to gain by starting our group. We both felt, of course, that we would hope our financial situation improves – debt reduction is foremost (but not limited to!) for Jillian, and a clearer picture of financial well-being for DOLLAR DAME(other member). Both members felt that forming an individual plan that works for each of us will be accomplished.

Horoscope two

It's entirely possible that you will dream up new ways of earning money because new income streams exist for you.  Be open to this.   You might have to see things in an entirely new light.  Perhaps you will find a new use for something you already own?  (That old Kawasaki could be  a floor lamp)

Horoscope one

Cash flow and money issues have your interest.  Make friends with your bank account.  If you shop, make a list, so you're more organized about how you spend your money.  Trust your money-making ideas.  You might hear about ways to boost your income.

Book Club - Book ONE

We have decided to read a book together as a group, mostly because I like book clubs so I thought it would be a good idea and a good way to get all of us accountable each meeting.  The first book we have begone reading is The Smart Cookies, Guide to Making More Dough and Getting out of Debt.  Although my mother has already read the whole book already I would like to read a chapter or two before each meeting.   I am still on my first chapter, just about done.
ps- this book was donated to me by a very smart cookie herself, so I am sure we will have some good talks about this book.

Let me know your thoughts if you have read this book....

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Hello all,

I wanted to start a blog for two reasons; first I need an outlet, something like journal writing. So I can write down what I have learnt in the meetings as well as what kind of solutions and purpose my financial future holds for me.  Second, I want to share my thoughts and suggestions with everyone out there and my hope is for a little interest from you all who may be going through the same.