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To Blog or Not to Blog …

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I recently joined a work-at-home-mom blogging network and our topic to blog about is

Why do you blog and what are your blogger goals?

For me, I started Blogging Away Debt to keep track of my progress as I become debt-free. I also am using it to get my thoughts out there on the best way to reduce my debt and to invite others to share their thoughts. Along the way, I will share the success stories as well as my mistakes.

It’s hard putting everything out there for all of the world to see. And I have decided to put it all out there, down to what my family spends money on. I’m working on those reports as I speak. If somehow my blog helps someone else in a financially dire situation, I will feel like a million dollars.

I believe I bring a different perspective to the personal finance blogging arena, since my family is living paycheck to paycheck and probably will be until the credit card debt is paid off. The choices pertaining to finances are different than those who have more leeway with their checkbook. But the last time I read – 70% of Americans are living paycheck to paycheck.

There are also ideas and theories that I believe are valid for paycheck to paycheck families. I have yet to unleash them on my blog – because they need to be written perfectly so that everyone can understand what I am talking about. They also go against the norm so I have to make sure my argument is solid.

I may just be one voice, but I hope that somehow my words on my blog may give others hope and inspiration. I really believe that I will achieve financial freedom. I have had a heck of a rocky start, but I know it will happen.

And I will blog about it every step of the way πŸ™‚

Technorati Tags: blog, debt, wahm

Let’s Be Kids Again!!!

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Ok everyone, let’s have some fun here. Imagine back when you were 10 years old. It’s your birthday and you were just given $100,000. What would you buy?

Now remember, you are a kid and you don’t know anything about stocks, mutual funds, net worth, debt – the works. You just have ALOT of money to do with whatever your childish heart pleases.

I’ll go first – I’d buy a monster truck!! It’s a dream of mine that has never faded πŸ™‚


Bad Money Decision Confession Time #2

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That was fun and it felt good to get a bad money decision off my chest a few days ago. Why not do it a few more times? πŸ˜‰

Bad Money Decision #2

Two words…I smoke. Not only is it unhealthy for my finances – it is unhealthy period. I started smoking when I was fourteen, a young girl looking for a way to rebel. I found it in smoking, but now I can hear my lungs rattle when I breathe and I have a cough that lingers.

I want to quit so bad. Gosh knows I’ve tried. But the addiction is so strong and my stress level – well, my crutch for handling stressful times are my smokes. I joke because some of the best ideas that I have had have come to me while standing outside smoking. I guess you can call them my killer thinkin’ sticks.

I don’t like spending so much for a pack of cigarettes. I think it costs over $5.00 a pack now. If you noticed – I said “I think”. That’s because I found a way to be a frugal smoker. I’ve been rolling my own cigarettes since 2003. Instead of spending over $150/month I am only spending around $30/month.

Boy, I just re-read the above and it sounds like I am just full of excuses. Any habit, whether good or bad, is so darn hard to break.

Technorati Tags: smoking, quit+smoking, money

No, No, No – I’m not Going to Sell This Stuff

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It’s hard to believe, but it has been years since my friend passed away. I still think about him daily, and I still wonder why he had to take his own life.

I would like to share with everyone something about my friend that I have carried with me through my life. It’s funny how a little comment can have such an effect on you. Here’s the brief story.

While at my friend’s house, he let slip out that he has tons of things in the attic that the previous owner had left. Being the treasure finder that I am (you should see me at garage sales – LOL), I wanted him to show me. We went in the attic and my mouth dropped. It was a goldmine in terms of antiques. There were records, old store items, just lots of old everything.

I said, “Wow, you can get so much money for this stuff when you sell it.”

He quickly replied, “No, no, no. I’m not going to sell this stuff. All of it needs to go into a museum or something for everyone to see.”

I didn’t reply, and sort of changed the subject. Here he had probably a few thousand dollars worth of antique items sitting in his attic (I’m guessing here – but he could have made a bit of money) and he wanted to see a museum get the items. I think that simple conversation surprised me so much because I’ve never really known of someone like that before. Someone who has a treasure, but doesn’t want the money for it.

He never did get a chance to go through his attic before he died. His comment made such an impact on me that I wanted to go through the attic and make sure it goes to the local museum/archives like he wanted. I asked his parents, and they boxed everything up for me and let me handle the task.

About a fourth of the items went to the local history archives. They found some value with the old bills and some of the older paperwork. And the other items went to a local history museum. I have walked through the museum since donating the items and I have found them all around the museum on display.

My friend certainly was special. He was the type of person that would do anything to help, even if it meant helping someone he didn’t know or helping a local organization. He could have used the money from selling those things, but he chose to not to.

Man, I miss you my friend…

Technorati Tags: antiques, museum

A Change for Blogging Away Debt

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After thinking about this for a while, I’ve decided to focus on one aspect of my debt – CREDIT CARDS!!

I will still mention information about other types of debt that I feel are great to share – but for the actual reporting of my debt I will stick to credit cards. I’ve noticed that the monthly changes to my mortage and school loan debt is very minimal. In fact, my mortgage only reduced by about $20 a month.

I’ve set up my Quicken program to give a report on just my credit cards. I will say it over and over again how much I love Quicken!

I have to thank Seattle Simplicity for giving me the suggestion of including the interest rates on my credit cards. So those are now included on my reports as well πŸ™‚

I guess this is a good way for this blog to go because it seems like I’ve only been talking about my credit card debt. After all, it is costing me the most and it is the debt I would most like to see disappear.

Oh, and a March report will be posted shortly πŸ˜‰

Technorati Tags: credit+card, debt

What’s in my Wallet?

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I was reading City Girl’s Financial Blog and she had a post telling about what is in her wallet. So, I thought I would share what’s in mine.

What’s in my Wallet?

– Driver’s License
– Son’s Health Insurance Card
– Receipts
– 2 Credit Cards
– 1 Blank Check for Emergency
– AAA Card
– 1/2 of a Mother/Daughter Charm
– A Quote I Hold Dear to Me

One thing you will rarely find in my wallet is money. I try to always use my cards or checks because I don’t like the fact that it is so easy to loose money, and it is harder to keep track of.

Who’s next? πŸ˜‰

Technorati Tags: wallet