Slackety slacker.

I’ve neglected the webosphere for a couple of weeks and I feel utterly guilty about it.  However, I think it is all for a good cause…

We FINALLY have our house on the market and we’ve placed an offer on a house.  Now, I’m hustling to get our house sold (we have a realtor, but I’m asking/emailing every human I know if they know somebody looking…) and prepping for the possibility of moving.

*fingers crossed*

September 2015 Budget

Why I love September so far: Hubby got a raise of $80 more a month (after taxes) and I’ve picked up some extra shifts at my part time job.  $300 more in the pot this month! This will be our largest income month so far this year…I’m really going to work hard to see if we can push it over $5,000🙂

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Trimming the budget: August 2015

I posted our August budget earlier this month and I’ve been trying to focus on little ways we can trim and tweak the budget.  Here are challenges we’ve come across that I hope to have under control soon:

Pocket money/SWTOR/eating out: My husband is all for kicking this debt to the curb – however, he needs some fun money to keep him going from month to month. He has cut his budget by 60%, so definitely an improvement on his part.
STUPID PHONE BILL: This is our stupid tax. Hubby needed the latest/greatest iPhone. We had the money for the upgrade, but somehow we were talked into paying extra monthly “to save money in the long run.” Every time I pay the darn bill, I curse. Bad, horrible words.
Internet/Cable: We called to cancel the cable and keep the internet. Turns out, they don’t want you to do that. They informed us that our new monthly rate for internet only would be $160. hahahahahahaha

We need internet AND they know that. So, instead of completely kicking them to the curb, they were able to reduce our total bill {previously $126 to the current, $86.56}, no reduction to our services. Oh, did I mention we don’t have ANY other options for internet in our area? Monopoly, much?

What have you done to trim your budget?

Side Hustle: August Goal

It’s almost mid-August (where, oh where has the time gone?!) and I need to get my rear in gear to reach my side hustle goals.

Each month, I like to set a goal for side hustle cash. This month the goal is $200.  This amount DOES NOT include my pay from my part-time job.

Ideas for this month:

  • eBay listings
  • sell scrap metal
  • sell goods to online consignment shop*

*I’ve just discovered thredUP  {<–$20 spending money in the affiliate link}.  I’ll do a full review when I get some items sold.

Any ideas for some quick/easy side hustle money?

{ rachel }

Liebster Award. Say, what?

A BIG thank you to Claudia at Two Cup House for the nomination!  I’m so humbled and excited just to have somebody read my blog.  From Claudia: “The Liebster Award is a small blogger award that gets passed around to recognize smallish or newish blogs that deserve to be recognized.  For newish bloggers like us, it’s the dawn of a new day.  The journey is just beginning and there’s a whole new world to be explored, ideas to be challenged, and change to be had.  Join us on our journeys!”

Here are the rules as given to me:

1. Link back to the person who nominated you.
2. Answer the questions given to you by the nominator.
3. Nominate up to 11 other bloggers with fewer than 200 followers.
4. Create 11 questions for the nominees.
5. Notify all nominees via social media/blogs.

Here are the answers to the questions given to me:

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Breakdown of Debt

When I’m searching out blogs/vlogs regarding budgeting and debt, I’m looking for the meat and potatoes.  I want numbers.  I can’t in good conscience expect people to divulge all of their personal finance information if I’m not willing to do the same.  I feel completely vulnerable … but liberated at the same time!

Alright, here we go…

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My name is Rachel.  I’m 35 years old, married and in debt.  I’ve started this blog to help keep me accountable and hopefully others will learn from my mistakes.  I’m following a modified version of the Dave Ramsey Plan (i.e. I still contribute to my 401K for the 3% match), watch financial journeys on YouTube and read just about every book about money I can get my hands on.  I have a fantastic full-time job (35 hours a week – soon to be 40 in September) and a part-time job (8-15 hours a week).

My husband and I live in Southern Maine in a beautiful (but small!) condo.  We are looking to build a home in the Spring of 2016.  This is why, more than ever, that we need to get out of consumer debt.  Plus, once a house is built – we get a puppy!  So, essentially I need to get rid of our consumer debt so I can get a puppy…or three.

Please feel free to ask questions, comment, give advice or just come along for the ride.

NO DEBT = PUPPIES (insert gratuitous photos here)


Blue Merle Australian Shepherd


Puppies in basket? C’mon!


This is why I need a hatchback.


The cuteness is killing me.

Okay, if you stuck around through all the puppy pictures, we are kindred spirits. PUPPIES FOR LYFE!

{ rachel }