Oh Oh. I’ve Got Too Many Bills.

My husband and I just spent a wad of cash remodeling our kitchen. Actually, I wish it was cash. We spent that good ol’ American money called credit card and now we are paying the price. We have to go on a budget. Hubby and I have been married a long time. Twenty five years in fact, and we’ve talked a good talk about budgets. Every few years we would sit down together and actually write one out, but then something important comes up. Like a new outfit for a wedding or new bike shoes for hubby. We’d spend the … Continue reading

Hi, I’m Michelle and I’m an Overspender

I’ve been a working gal all my life. My first job was at twelve years old helping the neighbor lady in her small grocery store down the road. Every Friday I’d proudly get my paycheck and…. spend it. Years later,as a married woman, I more or less did the same thing. I got my paycheck, and hubby and I spent it. We went out to dinner, to the bars, I got massages, had spa days, and bought new clothes at the trendy spot downtown. Then Hubby and I adopted a little girl and I quit working. Suddenly we found ourselves … Continue reading

Spending for a toddler party!

My daughter’s birthday is today. She is three years old. (How did that happen?) When I first started planning her party I wanted to only invite a few other children, so we could keep it low budget low key. It didn’t work out that way. First I have to invite my friends with young children, then I had to invite her friends, then the kid from church and the boy from my gym and well, before I could sing Happy Birthday, I’d invited eight children and their parents and well, I’ve got thirty people coming now including adults and children. … Continue reading