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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2014-09-10

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 1

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 […]


I’m Sticking It To Citi Mortgage 2014 1

Hello Sophisticated Spenders! Time to update your on my post from March of 2013. It went a little something like this… Hello Sophisticated Spenders! I finally put my money where my mouth is! I plan on sticking it to Citi Mortgage by paying my mortgage off early. Now this isn’t a super high mortgage in the first place. […]

Dining Room

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August 2014 Stats and September Goals 1

Hello Sophisticated Spenders! Goodbye summer! It’s September and that means it’s time for some updates. I had a very exciting month… I turned 36! I gained 2 new Insanity classes! Also……. Thank you for reading! Here are some numbers for August: Readership: Readers in August we had 1,045 views.  This is amazing!  We finally reached […]


Friday Five: You’ve Got Mail! 1

Hello Sophisticated Spenders! Todays Friday Five is all about your email!  I’ve also provided a few updates on the sidebar.  I’ve been doing very well with my savings goal.  I’m still falling short on my blogging income goal.  But I am investigating a few more ideas. 1. What’s the number of email addresses you have? 2.  Do you have a […]

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5 Ways To Use Your Credit For Good 2

Hello Sophisticated Spenders! My credit card strategy is pretty simple: Use Your Credit For Good! I cringe when I hear people say, “I’m doing good with my money because I don’t have any credit cards.” I also cringe when I’m out with friends and I see them pull out their bank or atm cards to pay for items and outings. It’s OK […]