My savings aren't going so good

I should be saving a lot more money than I am right now. I still have credit card bills and both personal and student loan payments every month. But I don't have a tuition bill or books to buy any more. So my savings should be growing by a nice clip. Instead I'm just spending the money on junk or even worse, I'm wasting it.

I need to start getting serious about my money.

I hope I win some good prizes

I've started to do online sweepstakes again. It's usually easier to win in the summer because most people aren't home to play. There are so many other things to do that no-one wants to sit at home in front of a computer. Anyway there are a few that I really want to win. Almost all of the prizes are gift certificates.

I'm not entering mail-in sweepstakes as much. Postage is a big factor and when you don't win that makes it even worse. I do have to admit that it is fun to play the games though.

I understand the need to hoard coins

It's pretty brutal out there right now. Yeah the economy is slowly starting to turn around and come back but I'm not totally sure the worse is over. Now is a good time to get precious metals in your portfolio. Not just bullion but things like bars and certified coins. These are things that you could keep yourself or have a storage company hold them for you.

Right now I'm looking into acquiring both domestic and international gold coins. A company like Monaco is definitely worth checking out. One of their specialties is in the rare coin markets. I'm not looking for rarity personally. I'm looking at American Eagles and Canadian Maple Leafs to start off.

I had better get them soon because the price of gold keeps soaring.

I need to cut back on gas

I can't believe how much money I've spent on gas lately. Most of the trips are just to the grocery store. But several times I've gone to the store, come home and gone right back to the store because I forgot something. Each and every time it was something small or something that could have waited until the next trip. I'm wasting time and gas.

The worse part is that I'm wasting money and that definitely has to stop.

Why is my paycheck already gone?

Especially when you consider that I don't get paid until tomorrow? This really stinks, it truly does. I definitely need to make more money because my "me" money is gone way before payday. I realize that this week had a holiday in it, but I didn't do anything or go anywhere. All of the excess money was from the week before last.

My finances are a sorry state of affairs.

Extra money because of the tax cut

I get a few extra dollars in my check every payday because of the Obama tax cut. I put half of it in my savings account and the other half is absorbed into my budget. I like getting the extra money but over the weekend I was talking to a friend and we figured that our tax refund next year will probably be smaller. They're taking less taxes so there's not as much money to get a refund on. I already get a small refund so next years will be even smaller.

I guess I should just be thankful that I don't owe.

No more tuition payments

Yeah! I'm extremely happy about that. I don't have to pay any more tuition for school. I may take a writing class this summer or this fall. It just depends on whether the class I want is offered at a reasonable time. This class is just for me to explore my writing capabilities not for anything serious.

But if I decide I don't want to take the class, I don't have to. And that's a great feeling!

I'm glad tax season is finally over

It's over finally. I had to file my local taxes last night because I kept forgetting to do it. In the past I haven't filed local taxes because I always break even. Last year they made me file for 2 or 3 years and of course I broke even.

I wish I had a refund coming but I got that puppy over a month again and it's long gone.

I'll be shopping this weekend for sure

I just know it. I looked at my shoes today and the heels are totally gone. I also need some new shirts for the spring and summer. While I'm at it I might as well buy a few fashion jewelry sets to match my new clothes. I know just where to look too. I'll look at holsted jewelers on the internet. They have some great pieces at reasonable prices.

I've looked at my different coworkers and I've noticed that it's their jewelry and accessories that sets their outfit apart. That's just what I'm looking for. I had better get shopping now while I still have extra money.

I didn't have a late fee

I'm really happy about that. Especially since the fee is $100. I couldn't be mad at the school if they would have charged it. I knew the payment was due and by waiting until the last minute, it totally slipped my mind.

I had better not make a habit of doing that because most companies will definitely charlge that fee.