Don't fudge it....Budget....

I am really into being Debt free in my life, i want to share a budget tool with you:


I was just turned on to a website : www.mint.com


This website links to your bank account (only for viewing). It is a great tool for starting a budget and figuring out what you are actually spending your money on...


It is smart to name every single dollar of that paycheck you get, before you get it! 


I would say IMO creating a budget was the hardest part of starting my debt free lifestyle. It is hard to see where your money is actually going. When you think you are doing a great thing and only spending money on thing you 'Need' with the target shopping spree.....before you would have just wrote it off to "i have some extra money i can spend it" when in reality....the $150 bones you just dropped at target probably should have gone to the credit card that is almost maxed out....


I would suggest getting the book The Total Money Makeover by Dave Ramsey. I would also suggest to follow the first 3 steps to the tee. I cant tell you about my experience with the rest of the steps yet....well because i'm not there yet! LOL


(I personally use mint.com but with the lifestyle of the total money makeover.)  


There are going to be challenges and obstacles in your way as you go...but it is up to you to make the right choice of how you want to live in life. Do you want to pay crap for the rest of you life? Or do you want to be free? This will work if you make any $$ amount, its just up to you if you want to be different.


I wish you the best on you path to being debt free.


"Wock n Woll"

Episode twentyONE

I am finally catching up on Jersey Shores, I haven't watched it for the past two weeks! Not because I hate the show but because i feel like i don't have any time, DB is finally laying down for a nap....its 3:47 in the pm! Sheesh! She seriously has been non stop! lol! I love the train wreck called Jersey Shore....I'm not going to apologize for it either! lol

DB is a part of a baby gang, the Baby Boos, let me give you some background...when i was pregnant i thought it would be smart to take Lamaze, so i signed Gamma Moogs and i up for it. (Gamma moogs stood up and became my baby daddy, if you will, when DB's father/sperm donor disappeared (that's another story for another time...lol). ANY HOOT back to the Baby boo gang...I got super lucky with the Lamaze class i was placed into!!! seriously every one was the same age, we had close personalities, and they are seriously just GREAT people. So there were 4 groups of us who got close. there were a few other couples who just didn't want to be in our gang, but that is neither here nor there. So out of us 4 we had all our babies with in the dates March 12th, 2009 and April 14th 2009. Two girls and two boys! to this day 2 + years later we are still friends and i love the fact that our kids will be BFF's (i will make them....) HA! I am so glad that we were brought together!!! I only have a few friends from when i was a kid and i think those long time friendships are super cool, to say me and so and so have been friends for 34 years is neat! Maybe its just me.....but i like that!


So today i got my windows tinted!!!! I completed envelope 2 of my "I wants" i have wanted my car windows tinted for as long as i have had my car a whoppin 8 years!!!! I decided on the step below limo tinting....i have bad eyes so i didn't want to have trouble seeing at night! I suggest if you are in the San Diego area go see Adrian at ACE Window Tinting!!!! Just give Adrian a call, he'll get you all situated!! Thank you so much for making my whip one level better!!!



Well all my readers in Blog land....i am going to so shop at Michael's.....this could be trouble...lol

"wock n woll"

Episode EIGHteen

I wanted to share the great news that i have finished my first "Envelope"!!!

My first envelope was for my car windshield. It had a small crack in it that touched 3 sides, no big deal.....

So i started with the envelope and used a $200.00 as my savings goal. 

I put all my extra money, i like to call it "found" money, in there. Like for example I have a gas budget and i refill it every paycheck, but now if there is any money left over i put it into my "I want" envelopes. I have been doing very well not over spending. It is really hard to do, like sometimes i REALLY just want to go blow it!

But I am staying on track this time! And look what it got me! A BRAND SPANKING NEW WINDSHIELD!!! I mean i have been putting it off for at least 4-5 years now....no biggie....


I feel so much better now. On to the next envelope....WINDOW TINTING!!!! Oh yeah!


Just Taking Care of Business and Living the Dream! 


Thank you to the Guys at Fast Service Center for fixin up my windshield!!! If you need a mechanic and live in San Diego County I suggest going to to them!! They are #1 in my book!!!! Thanks again guys!

FAST Service Center


"Wock N Woll"

Episode SIXteen

Warning this post may be boring.....LOL

Living in my "Debt Free, Way to Be" kind of life, well trying to get to that life, I cannot just go out and buy big purchases. 

So when I want, lets say a LCD Flat screen TV(I have a 13" box TV, no joke) I just cant go out and buy it, i have to save for it. I have what is called the "I wants Envelope System"  This is for those big purchases....OR if i have to save for something like my WINDSHIELD!! lol! (its had a crack in it since 2007 or 08) 

This is how it works:

What you need:

You get blank #10 envelopes

Pictures, printed from websites of stuff you "want" 

A sharpie or some type of BOLD pen or marker

A lock box or VERY good hiding place

Now what I did was write on the top right corner what the item was and the estimated cost

Second I folded up the pictures put them in the envelopes

Third I put them in some kind of order, like what i NEED the most to what i WANT the most 

The Fun part!!!! SAVING YOUR MONEY!!!!! What i do, If i have any money left over from my gas money or my "blow" money i put it in the first envelope, i also budgeted $20.00 or so from each pay check to go into an envelope. You do all this until you reach your estimated cost. 

So say you had an envelope for a Bike and your estimated cost was $200.00, when you went and purchased your bike it was only $165.00 so you have $35.00 left over, that $35.00 goes into the next envelope labeled "Nose Job" and the collecting/saving continues.....

You have to put that money out of your head...i know it's boring and sucks....but being a single mom on only one income you have to do what you can. I hope this helped someone out there!

"Wock N Woll"