• 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…

  • Finances,  Frugality,  Housing

    Winter Worries

    The kid will be moving out this winter. She plans to get married once her fiancée graduates BASIC training and move on base with him once he gets things sorted. Here’s a picture of him in training: The demon Fear has raised its ugly head since I’ve received this notice. She will probably move out mid-winter when the bills are…

  • Education,  Productivity

    Bedtime Routine

    Time is the one thing I never seem to have enough of. Between my public job, caring for my home, and writing I never seem to have enough time to pursue my self-education goals. While I read on my days off and on my breaks at work my progress was annoyingly slow. It took weeks to finish a single book…

  • Car-Free,  Finances,  Frugality,  Housing

    Frugality and the Pareto Principle

    According to the 80/20 Principle, 20 percent of actions will provide 80 percent of results. This is especially true when it comes to frugality. When you break it down the majority of money I personally save falls into two main categories: housing and auto. By renting a one-bedroom house in a less than ideal area, I saved $200 a month…

  • Finances,  Frugality

    Why Bother Saving Money?

    A common question I receive from family and friends is “why bother to save money?” Their reasoning is that, if they can afford it, they should enjoy every penny they have to spend. There’s nothing wrong with this logic on the surface. We’ve been trained to believe that we no longer really need to save for retirement or for protection…

  • Finances,  Inspiration,  Investments,  Simplicity

    The Magic of Time

    I moved to this house in April 2011. In the fence row of the front yard was a little sapling beside my front gate. My friend Mr. A wanted to chop it down. I told him to leave it; it would grow into a fence post eventually. That sapling was so insignificant that I never even bothered to photograph it.…

  • Education

    The College Path

    Last year a friend of mine decided to attend college. He wants to increase his education so that he can get a better paying job. I’ve encouraged him in this endeavor by assisting him with technical difficulties when his computer messed up and by acting as a sounding board when he doubts his ability to continue. He stopped in at…

  • Inspiration,  Investments

    The Art of Staying Motivated

    The other night I came home after an exhausting shift at work. I plopped down in front of my computer to check my emails before engaging in my nightly habit of reading a bit before I went to bed. As I sat there I thought “what’s the point?” What was the point in reading more when I was so drained?…