I'm Back!!!

I'm back from the holidays and I must say I didn't do to bad.... I only spent $300 while on my Christmas break in Texas with the family. That included gas, food, last minute gift cards, and a few articles of clothing..... I know I know, I could have went and not spent on the shopping part but hey I'm trying here. Hubby was shopping so I felt it was only fair!!!!! : - ) Normally I would have spent double this amount so I did a lot better than previous years.

On a positive note I got a $50 check for Christmas from Gramps so I will be depositing that straight into savings and all of my bills are paid.

I just read the January issue of Essence, and it has great Money & Financial tips... I've heard alot of the tips they were listing like save 6months living expenses, save 15% of your income, and invest without touching. The thing for me is I know the things to do it's me and my stubborn self won't follow through with what I know..... I vow to work on that in 2010

2010 Financial Goals

1. Save $6000 in my ING account
2. Have all of my bills paid a month in advance every month
3. Build a house fund and save $5000
4. Set up all savings on auto pilot through direct deposit
5. Take my raise and put the difference in savings
6. Apply half of all of my quarterly bonus's to my savings account.
7. Learn more about the stock market and how to invest wisely
8. Increase my investments

Those are my goals and I'm really going to try and stick to them. I get a quarterly bonus that could be as much as $25k depending on my work efforts. If I work hard I can reach that thus adding it to my savings.

I also want to increase my hours which gives me overtime pay thus helping me get caught up on my bills and adding to my savings account

Ending 2009 with money problems!

Ok so of course we all know that I have debt and financial issues and need to fix it. I'm about to get financially naked to show you what I owe and create a plan or tactic for 2010 to start turning it around.

• I have $6000 in unsecured debt- no ccards just old bills that I can't believe I let go to collections.
• $10,500 left in car debt- It will be paid off by 2011 but I'm trying to work out a way to have it paid off before then
• My credit score has been idling at 516- I have got to do something about this.
• I have $59.72 in my ING savings account & $0 in my personal bank savings account.
• $1000 in my job 401k and that's sad seeing as I've been at my job for 3 years!

I know pitiful pitiful pitiful, Just sitting here looking at it in black in white is heart breaking. I'm so ashamed!

Stay tuned for my 2010 Financial Goals

Letting it all hang out!!!

Hello Blog World,

I'm a 25 year old Fashionista who is Fashionably Broke due to fashion and bad choices. I created this blog to see my bad choices and to correct them. I plan to lay all of my financial business out for everyone to see and start taking control. Follow along to help me achieve my financial goals.