Where’s Your Emergency Fund?

Hello Sophisticated Spenders! I wouldn’t be a friend if I didn’t ask you this question: Where’s your emergency fund? How much money do you have socked away in case of emergency? I’m pretty sure you’ve spent money going out to eat, buying new clothes, watching tv (cable) and talking (cellphone). But how much have you SAVED? […]

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my Zumba schedule

Friday Five: The Gym, Become A Regular

Hello Sophisticated Spenders! One of my favorite quotes: The gym, become a regular! We are all regulars at our favorite restaurants, bars and stores. Why not be a regular at a place that really counts- THE GYM! I love the feeling of walking around the gym and everyone already knows who I am because I’m […]

My Number Is 18. What’s Yours? 2

Hello Sophisticated Spenders! First of all, get your mind out of the gutter. I’m talking about jobs! I have had a pretty long work history. I’ve been on my grind since the age of 14 (which means I’ve been working for 22 years). Here’s a quick list of all of my jobs: Summer camp counselor (age 14, […]

photo credit ibtimes


A Few FINCON14 Pictures 1

Hello Sophisticated Spenders! I attended my 4th FINCON in New Orleans, Louisiana this year. It was even better than ever. FINCON is The Financial Blogger Conference. This is where a lot of really cool financial bloggers come together to share hugs, smiles, ideas, stories and experiences. I am honored to have been a part of […]

My Payday Loan Story (Don’t Judge)

Hello Sophisticated Spenders! I love that we live in such a diverse world!  Everybody is different and what works for me may not always work for you (and vice versa).  So here is one thing that is totally unconventional that has worked for me at some point in my life and may or may no longer work for me […]

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5 Reasons Why You’re Poor 2

Hello Sophisticated Spenders! I came across a really cool website the other day. It was called: http://whyyourepoor.com/ My problem is that they only provided one reason: Because you spend more than you save!!! That’s not 100% true. So I’ve come up with a list of my own. And a LOT of these things I’ve learned from experience! […]

Friday Five: Cable 3

Hello Sophisticated Spenders! I had a conversation with my coworkers the other day and it was all about our cable bills. One guy mentioned that he called Comcast to get his bill down to $160 from $214! That reminded me about my cable bill that used to slowly creep up and up and up. I […]

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The Save Money For Your Future Challenge!

Hello Sophisticated Spenders! I have a new idea for a challenge! It’s the “Save money for your future challenge…especially if your employer will match your retirement contributions!“ I’m just trying to put some money in your pockets! The next time someone asks you why you don’t have cable or something fancy, ask that person how much money […]

Put Your Savings On Autopilot

Hello Sophisticated Spenders! Why Saving On Autopilot Is So Important! There are a lot of advantages to putting your savings on autopilot. Here are a few reasons why: 1. You Won’t Miss It:  You won’t spend money  you don’t see.  Things in your budget always adjust themselves when you have fluctuations in income. 2.  It […]

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Friday Five: $100 Question 2

Hello Sophisticated Spenders! I know I’ve asked this before, but our situations and circumstances change all the time. What would you do with an extra $100!!!!! Since that would be considered extra money, I totally wouldn’t do the responsible thing with it.  I’d either: 1.  Go to Bloomingdales outlet (my new favorite store thanks to their 65% off section). 2.  Pick up […]