Debt Repayment: Why is the First Cut Always the Deepest?

I have taken a 5-day weekend off from work and I have been spending that time thoroughly enjoying myself AND spending very little money! These two things, especially in combination, are my favorite! I have been feeling progressively better about my finances as I make more progress. In fact, every day that passes and every … Continue reading Debt Repayment: Why is the First Cut Always the Deepest?

Overspending on Groceries (Whole Foods is my Kryptonite)

So yesterday I decided to look at my historical spending trends in YNAB (my budgeting software) in order to see where I am doing well and where I could do better, and what I came away with was this: I am spending way too much on groceries. I think this has been sort of a … Continue reading Overspending on Groceries (Whole Foods is my Kryptonite)

Debt Dummy Update: June 30, 2017

Here are a couple updates from me, Debt Dummy! Update 1: In case you missed it last time I shared, I am excited to announce that I will be featured in Canadian Budget Binder's Making a Difference series as part of their Saturday Weekend Review, on July 22! This will share a little bit about who … Continue reading Debt Dummy Update: June 30, 2017

5 Ways I am Kicking the Urge to Shop (Shopping Addictions and Motivational Enhancement)

In this post, I will talk about the addictive nature of shopping, and how to manage impulses to shop. This post is a follow-up to my recent post: The YNAB Glitch: What Happened When the Budget Went Down (a.k.a. Self-Control or Lack Thereof) .  I wanted to follow-up on some more after-shocks I experienced from my spending … Continue reading 5 Ways I am Kicking the Urge to Shop (Shopping Addictions and Motivational Enhancement)

Second Hand Economy & a Debt Dummy Update

Hi there! So in this post I will share an update, and talk about the second-hand economy. Firstly, I want to share an update: I am going to be featured in Canadian Budget Binder's Making a Difference series as part of their Saturday Weekend Review, on July 22! This will share a little bit about who I am … Continue reading Second Hand Economy & a Debt Dummy Update

The YNAB Glitch: What Happened When the Budget Went Down (a.k.a Self-Control or Lack Thereof)

This post is about what happened when a glitch in my budgeting software rendered my budget meaningless, and what I did in the 48 hours that followed. So last weekend, I signed into my YNAB account to do my regular budgeting activities.  In case you are not familiar with YNAB, let me introduce you.  YNAB … Continue reading The YNAB Glitch: What Happened When the Budget Went Down (a.k.a Self-Control or Lack Thereof)

Facing the money-stress monster, talking about money, and learning to climb out of debt

So this week I had the pleasure of attending a 2-day course for work called "Planning Your Financial Future".  One of the many perks of being a government employee.  This was awesome for a variety of reasons, including that the days were shorter by an hour than my regular days (but I still got paid … Continue reading Facing the money-stress monster, talking about money, and learning to climb out of debt

Beauty, Fashion, & General Girl Stuff: What are you willing to pay for?

Makeup, fashion, waxing, lotions, creams, self-tanners, manis, pedis, perfume: it's all really EXPENSIVE.  Like Dolly Parton said: "It costs a lot of money to look this cheap." Even if you are just doing basic level things (brushing your teeth, washing your hair, wearing deodorant of some form, moisturizing occasionally, maybe wearing mascara, lip chap, etc), … Continue reading Beauty, Fashion, & General Girl Stuff: What are you willing to pay for?