Lately it has been a bit hectic for me, personally and professionally. Personally, I wish the one who you think understands you better, would actually show that in action. In contrary it feels like there is no one out there who will ever understand me.

Pardon me, needed to rant.

I don’t know how this blog will shape up since I am not much of a writer. Like saving, I need to learn to write as well. Yesterday was NSD and it looks like today will be another NSD. You all must be thinking where in the world I spend my money since I don’t have much of a debt and nothing much in savings to count for. I have some financial obligations/responsibilities that I can’t shy away from and expenses that I can’t avoid. That is why after all said and done, I end up with very little savings. However, I truly intend to make one small step towards a life of ‘savings’.

My first small step: Increase EF to $6K.

Wish me luck folks.

Thank you all for a warm welcome. I guess I am on a right track now.

When I said no debt, I meant there are no major debts but some CC charges which I will pay it in full before the due date. $635.

I went to Trader Joe's for some grocery shopping. $34.76 including a nice bottle of a red wine.

My problem is that I can't seem to save much at the end of the day. I am hoping to change that trend.

I have a major expense coming up during the long weekend of May. Tickets already bought (included in my CC charge above). I need to find ways to cut other expenses during that trip.

Wishing you all moms a very happy mothers day.

Hello All,

Land of "savings and investing" is new to me. Even though I do not have any major CC debts or any other sort of debt, I have not been able to mass any wealth for "ME".

Divorce took all of what I had envisioned as an "investment". Here I am for a new beginning, a fresh start though a bit late.

I have recently started my contribution to 401k. Plan doesn't offer any macth. I thought it will lower my taxes and might just help incerase my "wealth" some what in the long run.

As for savings I have few thousands dollors saved for emergencies. I use CC when I HAVE to amd pay it in full before the due date.

I have been lurking in this site for awhile and now finally "coming out of the closet" to admit that I am an addict of the site.

Good day and a great weekend yall.