Money... Spending... Budgets....

Budget. That word just sounds daunting and so hard to do. I've been trying to budget for the better part of 2010...which has not been successful at all! I get as far as my fixed expenses, then it quickly goes down the drain. Even though I live within my means I realize having a budget is very important and beneficial. There are several financial goals I want to reach:

• Increase my savings
  
• Pay off my student loans in less than 10 years.... preferable 5 years from now
• Saving at least 3000 for my summer trip to Korea

Since I have goals to reach and I only have one income right now from my job, I realize I need to revamp the way I spend. And I believe the best and quickest way to do that is with a budget and being more cognoscente of how I spend. One thing I have always wanted to do was pay off my school loans early. But lately I have become more inspired and motivated to do so. I refused to spend the next 9 years under crazy Aunt Sallie Mae rule and bondage *not interest BBM face*. Some of my friends with their tips and ideas as well a several blogs I follow and reading of their success and journey is also inspiring.


I have poured over my budget for October and I think it is realistic. I even included shopping. Prayerfully I can follow it fairly well. I also want go totally cash for a month and see what my outcome would be with my spending.

I want to be realistic about changes...but changes I can be faithfully in following. Here I starts my financial journey...

Live. Laugh. Smile. Enjoy

Acting Dumb

Happy Sabbath everyone! Its been a minute since I have posted anything. Been a little busy plus "bloggers block" if you will. While waiting for Sabbath dinner to get ready I was playing with my Mac and took a few pics....

Live. Laugh. Smile. Enjoy