As Oprah has so eloquently mentioned before, life has a tendency to send you whispers about how you should live it. I heard whispers regarding my career recently. Do you listen to your whispers? #oprah

Listening to Life’s Whispers

It's Thursday afternoon and I'm feeling pretty pooped, but in a good way. It's been one of the most productive weeks I've had in awhile…and it feels great checking off a lot of items on my to-do list and tackling some goals this month. I guess my vacation to Utah (which I'll talk more about Monday) was worth going on, even if money is really tight right now. Clarity Earlier this week, I had a friend email me with a job posting from someone he knew in the Seattle area. It was a producer job … Read More...

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Is the Kaiku Prepaid Card Right for You?

Who says when it comes to prepaid cards there is a lack of appeal to the hip and cool millennial generation? The Kaiku Visa Prepaid Card, that's who. While I'm neither hip, cool, OR from the millennial generation, I was still asked to give the card a try and talk about how it might be a great option, especially for 18-34 year-olds. But hey, I'm here to tell you us old(ish) people think it's a pretty useful and fun card too! Kaiku, which even though I looked all over the internet and couldn't … Read More...

RIP IPhone. Also on the trip a big rock hit Megan's new car.

Death of Technology is a Budget Killer!

So here is the story of how my iPhone committed suicide in Utah: My friend Megan and I had just set up camp (thank you to the eight or so gentlemen who came to our aid with the tent), and in what had soon became our trip tradition, we ended the day with a trip to a local brewery to enjoy a pint and some pub grub. Not using a purse on the trip at all, I carried around my camelback with me, and had placed my iPhone in the front mesh pocket. We ate, drank, and were merry, and then headed back … Read More...

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Is Debt Consolidation the Ideal Solution?

Even though the recession is fading there are still plenty of people that are struggling with debt. Complacency summed up the attitude of both borrowers and lenders before the Collateralized Debt Obligation crisis led to widespread financial misery. Prior to that lenders had had a fairly relaxed attitude to the approval of loan and credit card applications. There was sustained growth and there appeared to be little risk of serious defaults. Consumers found that there was always another credit … Read More...

Challenges like no spending months, fasting, and frugality are really fun when they are a choice, but what about when they become necessity?

Choice vs. Necessity

Once again social media is lighting up over the news that Gwyneth Paltrow is doing a challenge to live off $29 worth of food (the amount for food stamps) for one week to feed her family, to raise awareness about hunger. There is some positive support behind her challenge, but mostly our poor Gwen is taking a lot of heat…a lot! Here are just a few comments on FB regarding her challenge: "She's going to do that living where in her mansion, try to live with that $ in a 300 Sq ft apartment pay … Read More...

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March Review/April Goals

Hello Friends! I just got back Monday from my Vegas & Utah/Colorado road trip. I'll get more into detail of the trip in a later post, but in summary, I had a great time! What a beautiful country we live in! But I'm also happy to be home and back in my routine, and more importantly, my own bed. Although we didn't spend every night camping, I can honestly say that I'll probably never be the camping type. :) Overall when it came to the cost of my trip, I spent $674 (give or take $25 ish) for 9 … Read More...

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Understanding the Taxes and Penalties of the Affordable Care Act

When the Patient Protection and Affordable Care Act first passed in 2010, there were major concerns about the coverage mandate, especially the penalties for not having coverage and the tax implications of the marketplace subsidies. Conservative opponents of the act predicted that in addition to the confusion involved in navigating the healthcare system, those who did not have coverage would be devastated by the penalties, and that filing taxes would become a total nightmare. 2015 was the … Read More...