Operation: Cash Only

Talk about a Mission Impossible!

Yours truly is going cash only in 2017. There are myriad of reasons why but mostly I want to have a better understanding of managing my money, create a safety net for myself and learn to have an understanding of my wants and needs.

I spent some quality time over the last few months reviewing my spending, writing down every penny in and every penny out. This month I will be tackling the review of the last two months spending. This will allow me to know how much is spent on impulse purchases, how much is needed for gas and setting up electronic payments so I can back off from debit card spending.

This years monthly finance posts will be all about my journey to financial freedom.  Mission Plans are not top secret here. Those will be revealed next month…so stay tuned!


Where do I go from here?

It’s so cliché, but I’m going to say it “It’s beginning to look a lot like Christmas”. Even the arid desert of Arizona has the sparkle of twinkle lights everywhere! Our stockings are hung off our bookcases with care…you know the rest.

I am going on vacation too! Well, the blog is.  I like to take the time between Christmas and New Years to get content ready for next year, blah, blah, blah.  But, today, as I sat down to write…I made an executive decision to just give myself a whole month to take care of an ever growing needs list of items that the blog, vlog and so forth is needing.

The schedule that I set up for myself is actually working pretty well and I’m not going to mess too much with how I have it all planned.  In 2017, I want to put in to practice all the things that I have been meaning to implement and grow this “keep” into an Empire.

This is where you come in dear readers. Give me your feedback! what do you want to see more of? less of? expand my topics to? leave out? This is where I take the road less travelled in regards to my digital journey…so bring it!

With that I am going to leave with, have a very Merry Christmas and a glorious New Year.




The Struggle is Real



It’s working…my water intake has increased, vitamin consumption is at an all time record for me! Yassss! Small tiny goals to start but good habits are being formed and that is a great start.

My next goal is working on daily routines – which for a chronic is an oxymoron. We don’t have routines…well, unless you count naps.  I keep reminding myself not to call it a routine but more of a daily reminder of what I should be doing.  This past weekend, I spent some one-on-one time with God asking for direction on how to deal with my need to be active and yet, restful & mindful of my current state of health. It was not easy (ok, maybe because I demanded, relented and finally listened). Whatever your faith, if find that once you release it to the Cosmos, the answer is waiting for you.

Planning, scheduling, whatever you call it has never been a struggle for me. I’ve been using planners for years. This year…I’ve been in a fit over it all. This notebook doesn’t work, this Hobonichi doesn’t have space for my needs, my Filofax is so stuffed, the pages won’t turn! Oy with the poodles already! One of the biggest contributors is my own self. Seeing what others are doing with their planning systems just gets me going and I want what they have and so on and so on.

OMG! it has to stop! Now.

The truth is, you can “plan” all you want. Have the prettiest, most expensive Filofax in the world but as the saying goes “life happens when you are busy making other plans”. So I am going to work on being present, I can’t go back and change yesterday. Nor can I control tomorrow. I can only be in the now. No more pre=planning. No more worries about whether my weekly layout photo worthy. I’m done.

With that being said…I’ll have my 2017 set-up review posted the first weekend of December to show you just how I’m going to handle all this stuff…


Unfriend Day

Today is the day. It’s time to do some fall cleaning! This year I having been working on the 52 areas that I wanted to de-clutter and e-mails topped the list. It seems quite the gimmick that every time you want to get to a site, order something or just surf…someone wants your email address!

When I hit this on my task list, there were a couple of things I had to do first. One, determine if their email was of value to me and two, was I actually reading the email they sent. The I went to UnrollMe and downloaded it my Gmail account. Once it did it’s thing I reviewed the list it spit out. It gives you an opt-in or opt-out option to all email subscriptions that are filling up your in box.

Oops, I didn’t mean to delete that one….No Worries. UnrollMe sends you a nice little email everyday containing all the peeps you threw into the opt-out, just in case you really did need that email.

Also, there is this very unique item on every email list that you have subscribed to. Open the email. scrolllllllllll all the way to the bottom and pick Unsubscribe. Delete. Delete.

Give it a whirl and let me know what you think!


I’m Crazy…

Now some of you will immediately have Patsy Cline enter your brain waves crooning ever so beautifully “I’m Crazy”. If you don’t who Patsy Cline is…then shame on you, shame on your family, shame on your cow.

Really what I’m trying to reference is the Albert Einstein quote for Insanity “doing the same thing over and over again expecting different results.” I totally could be the poster child for this campaign. As I delve into setting goals, I am searching and reviewing patterns that I have created for myself. A couple of really BIG issues have come out of my in-depth review that I’m having a hard time admitting to myself. You may have already known these about me but until I admit to myself – speaking to me about these issues would’ve been pointless.

Ok, here we go…Truth No 1 about me and money.  I never fully commit! There I said it. (and yes, I know, it goes into every area of my life!). I can speak all day about Dave Ramsey, cash flows and cash envelopes…but none of it will work for me if I’m not admitting that I’m fully committed to it.  Why do I still over spend…DEBIT CARD. My very own kryptonite.

Truth No 2 – I rob Peter to pay Paul. Every chance I get. This is the practice of let’s say, taking money from Emergency savings to purchase a luxury items or to have fun money. Money specifically set to aside for one purpose but used for other “non-essential” items. It is a bad habit.

With that being said, my goals for 2017 will be “How do I effectively change these habits” and “how will I track it?”

Hold on dear friend, it’s going to be a bumpy ride!

Money Truths

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Day of the Dead

Alternate title of this post is…My mom is going to hate this post. If you know me, I have this “thing” for Dia De Los Muertos. I blame it on years spent study cultures through a renaissance group I was in. It’s not an attraction to death by any means. It’s about honoring your family and ancestors. That part I find fascinating. Even for this pasty white gringa.

dia de los muertos

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