• Finances,  Frugality,  Happiness

    The Diderot Effect

    The Diderot Effect has been used as a lesson against mindless consumerism since the minimalist movement began. The moral of the lesson is always the same: buying something nice will lead to us buying other nice things until we’re broke and miserable. I was right on board with that thought from the beginning. Why should we strive to buy better…

  • Personal

    It is Time to Press Pause

    I’ve suffered from a bit of an existential crisis these past few days. My beloved daughter informed me that she plans to officially marry in November. By some time in December she should be gone. It’s all hitting me. This stage of my life is officially over. I started blogging as a form of cheap therapy. I needed to get…

  • Frugality,  Investments

    Unjustifiable Luxury

    I want a washing machine. I really do. I would like few things more than to be able to sit at home and do my laundry whenever I desire. With this in mind I pulled out my trusty ledger and checked to see just how much I spend each month at the laundromat in hopes that I could justify the…

  • Investments

    Two Hours Closer to Freedom

    Today was the day for my latest stock purchase. My transfers had arrived at my brokerage and I had a day off to savor the experience of growing a tiny bit closer to freedom. I targeted Blueknight Energy Partners (BKEP), a tiny company in the Energy Sector that I’d been eyeing for months. I’d researched them, noting several things I…

  • Finances,  Frugality

    Rock Bottom

    I do believe I have now officially hit rock bottom as far as expenses go. With my daughter as my official roommate, she splits half of the household expenses with me. Here is a breakdown: Rent: $250 a month Electric: $50 avg. in summer Water/Sewage/Trash: $39.88 Internet: $30.59 Total: $370.47 My Half: $185.24 As usual, I am not including the amount we spend on…

  • Finances,  Frugality

    Frugality is Not Enough

    As I write this my home looks like there was an explosion in a clothing factory. I’ve spent the past few days washing laundry in my bathtub to save a bit more money this month. It is times like this when I dream of owning a washer and a dryer; it would be absolute heaven not to have to drag…

  • Investments

    My Stock Market Investment Strategy

    After a lot of thought and research I finally settled upon a specific set of criteria to use while searching for stocks to invest in. While I do allow the occasional exception, for the most part this is how I locate stocks for purchase. My Stock Market Black List These are the reasons I pass up investing in a lot…

  • Inspiration,  Personal,  Recycling

    The Story of a Failure

    Back when I was in fourth grade we lived within walking distance to my grandparent’s house. Every time I would see one of my uncles or aunts arrive for a visit I would race there in excitement. I loved visiting with my relatives. One of those visits is indelibly imprinted on my brain. I can’t recall the exact details; I…

  • Investments

    My Financial Freedom Game Plan

    Despite the fact that I spent more than I like last month I still managed to have money left over for investment. I took the $67 I received in royalties and added $63 from my paychecks to it in order to scrape up $130 to invest this month. I plan to stick every penny into a single stock I’ve targeted.…

  • Education

    Millionaire Women Next Door

    Every night before I go to sleep I snuggle into my bed and read on a book for inspiration and research. Some evenings I may only manage to read a small section but on other nights I can manage a couple of chapters. My progress seems incredibly slow but that’s okay. At least I’m making progress. You see, I have…

  • Life

    When the Unspeakable Happens

    We all have our demons. For the most part I keep mine stuffed in a box that I have hidden in the back of my mind. They like to escape sometimes, as they did recently when I made the mistake of watching Ford testify during the Kavanaugh thing. Those demons caused me to go on a crying jag and write…

  • Finances

    Do You Dream of Financial Freedom?

    Imagine waking up whenever you want to, without the need of an alarm clock. You sit up, stretch, and ask yourself: What do I want to do today? This is the life of financial freedom. You don’t have to work; you have enough passive income to cover your needs. Your time is your own. You can rest, learn something new, visit…

  • Productivity

    Big Task, Small Chunks

    I have kept extremely busy over these past few weeks. Between my public job, volunteering, writing, and working on my house I rarely have a moment of downtime so I decided to take a break the other day and just curl up with a good book. I had spent the entire day being lazy when it dawned on me: I…

  • Finances

    The Power of Priorities

    We don’t think much about priorities. We’re usually too busy putting out fires in our day-to-day existence that we shove them aside. This is a serious mistake. When we don’t set priorities, we set ourselves up for failure. My personal goal is to achieve complete financial freedom. In order to achieve that goal I set a series of smaller goals…

  • Finances

    Called on the Carpet

    The other day I was scanning a customer’s items at work when one of my managers approached me. “You’re due for your break now, aren’t you?” she asked. “Whenever!” I chirped. “Would you mind coming to the office before you clock out for it? We have something to discuss with you,” my manager asked. “Um, sure.” I watched her block…

  • Finances,  Investments

    The Fear of Being Wrong

    I ran my bank account a bit lower than I like at the end of August. It was a deliberate choice; not only did I want to give my daughter one last, really nice birthday in light of the fact it may be the last one I spend with her, it was the last time I would have free trading…

  • Finances,  Investments

    Investment Update

    The other day I closed out my books for the month of August. Here are the numbers: Beginning Balance: $1,340.61 Dividends received: $20.46 Personal Investment: $286.00 ———————————————— Total Invested in the stock market: $1,647.07 August was a tight month. I had to set aside some funds to celebrate my daughter’s 19th birthday. Since this very well might be the last…

  • Finances

    The Art of Definite Action

    As I mentioned in a previous post I am concerned about my finances for the upcoming winter. Rather than allow the fear to eat at me I decided to take some definite action and meet the concern head-on. Up the street from my home is a gas station that happens to be hiring, not only for cashiers but for management…

  • Life

    Chilling Encounter

    It was Sunday, September 10, 2017. I was working the closing shift when I greeted my next customer. “How are you tonight?” I asked cheerfully. “Not too well,” he replied. He went on to explain that he was having relationship problems. I responded sympathetically. I hate when my customers are having a rough time so I try to comfort them…

  • Inspiration

    Wisdom of Uncle B-Bob

    Meet Uncle B-Bob. He was the husband of my beloved Auntie. He died from cancer a few years back but his words live with me to this day. He was always busy but he would never fail to spend time with us kids anytime I came over to visit. Memories of riding in the back of his pickup truck as…