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Twenty-Two Months
twentytwomonths.blogspot.com
8
I'm a 26 year-old girl born and raised in NY. 22 is my lucky number. It's also the number of months I have from the start of my journey to becoming debt-free. Follow me as I blog about my trials, tribulations and "A-Ha!" moments in saving, learning how to be frugal and paying down debt. Oh, and also... I have to plan my wedding at the same time!
#161927 in All , #15 in Personal Finance

Month-Long No-Spend Challenge Update: Day 11

I havent blogged in a few days, just because Ive been so busy with work and job hunting, just in case I were to lose mine.  But I bet youre dying to know if Ive managed to stay on my no-spend so...

05 aug 11

I broke my no-spend for Charity.

GiveAnon.orgLet me start out by saying that Im not very religious.  I believe that one can be a good person even without having ever set foot in a house of worship.  I believe in treating o...

03 aug 11

Someone, Call a doctor. Im a "Financial Anorexic."

I recently posted, "Im an over-achiever, and thats a good thing," in response to the reactions from a post I wrote about my hardcore goals to become debt-free.  This post is about a comm...

02 aug 11

Month-Long No-Spend Challenge Update: Day 5

Its Day 5 of my Month-Long No-Spend Challenge and so far, I have not spent ANY money.  It looks like Im definitely on-track to pay off the CitiCard at the end of August.  YAY!Today, we had ...

31 jul 11

Im an over-achiever. And thats a good thing.

Recently, I posted that "Debt Repayment Must Be Your #1 Goal!"  for which I got a lot of feedback with mixed reactions in the comment section.  Some of the reactions were pure encou...

27 jul 11

Month-Long No-Spend Challenge: Day 2

Yesterday was another no-spend!  I really was far too busy to leave the office even if I wanted to.  I brought breakfast and lunch to work and didnt get around to eating them until a couple...

27 jul 11

Its Official: Murphy Has Moved In

I recently finished reading "The Total Money Makeover," by Dave Ramsey and the section where he talks about why saving up an Emergency Fund is so important, mentions the impending doom that i...

27 jul 11

Month-Long No Spend Challenge: Day 1!

Its Day 1 of my month-long no-spend challenge and so far, so good!  Day 1 was indeed a no-spend!Heres a rundown of the day and what it would have cost me if I were still the "old me."Mad...

26 jul 11

Featuring: Month-Long No-Spend Challenge!

Watkins-Glen State Park, NYHi, Everyone!  I just got back from a weekend camping trip with my best friend, her boyfriend and my fiance.  Isnt it beautiful?!  Camping was nice, because ...

25 jul 11

Debt Repayment Must Be Your #1 Goal!

Im in Month #2 of my Twenty-Two month-long journey to becoming debt-free and heres a little something Ive learned:  If you are in debt, then debt repayment MUST be your #1 goal - paramount ...

20 jul 11

The Debit Card vs. The Envelope System

When it comes to Personal Finance and debt repayment, some people seem to think the Debit Card is evil, while the Envelope System is King.  I think its merely a matter of preference and one coul...

20 jul 11

"Youre Definitely Going to Need a Bigger Closet."

Here I sit, writing to you on my new laptop (PC).  This was not planned.  Yesterday, my Macbook died after a good five-year run.  I was sadder about this than I thought Id be.&nbs...

17 jul 11

Complete Transparency.

For the sake of complete transparency and full accountability, Im about to do something a bit crazy.  Im going to let you look at my bank account.This is a snapshot of my Checking (Spending) Acc...

15 jul 11

Change Of Plans!

Craigslist is friggin creepy.  Seriously, being a chick, in NYC, trying to sell a used car on Craigslist might be the scariest thing Ive ever done. Dont fall victim to Craigslist Scams!In l...

14 jul 11

A Bit Spendy

I cant tell if LIFE has been a bit spendy these past few days or if I am the one who is being spendy.On Saturday, I bought my cousin his High School Graduation gift, which was $60 in College essentia...

12 jul 11

Good Reads

This morning threw me a curve ball.  As I was about to leave for my car inspection appointment, my car wouldnt start.  Which is funny, because it ran yesterday.  So, Ill probably get c...

10 jul 11

Guess Whos Going Car-Less!

One of my monthly goals for July (rollover from June) is to sell my car.  I live in an outer-borough of NYC and while its "nice" to have a car, I certainly dont need it.  I pay abou...

09 jul 11

Watch Out, Verizon Wirless: Im Looking to BOOST My Savings!

I hate being under contract. Any contract.  Especially for something as trivial as a cell phone. Dont get me wrong, I think cell phones are pretty necessary this day and age, but truth be t...

08 jul 11

Frugality for Two?

Since my Future Husband is by nature a bit (okay, a lot) more frugal and money savvy than I am, Im feeling a little inadequate while I work to pay off my personal debts.  One of my own goals was...

07 jul 11

Good Idea/Bad Idea: Balance Transfers

Todays Good Idea/Bad Idea post is about Balance Tranfers. In general, they seem like a bad idea to me, however I wonder if that differs from person-to-person.  For example, my debt repaymen...

04 jul 11

Vacation: Does a Body Good.

Im back from vacation feeling well-rested, several shades tanner, well-fed and happier.  Bermuda was amazing.  The weather was perfect (albeit a bit hot) and I learned a lot.  I saw TH...

03 jul 11

A Hard Lesson Learned.

Today I write to you to share a HARD lesson I was forced to learn last night.I have officially been on vacation since yesterday at 5:30 pm.  I left my office and stopped at the drug store to pic...

25 jun 11

Mere Formalities.

Im not a fancy person.  I dont like to spend money on fancy things.  But this Friday is a close friends engagement party and then we leave for a cruise that has two formal nights.  Whe...

21 jun 11

My Little Blogging Buddy - and a Tip!

Tony the Tiger: Twenty-Two Months Blogs Biggest FanJust because I couldnt pass up an opportunity to post his picture, here is my little Blogging Buddy, Tony.  He wanted to see what I was posting...

19 jun 11

PROGRESS! June Goals Update!

Time sure does fly when youre having fun!  FH (Future Husband) and I booked a vacation (our first BIG vacation together!) a couple of months ago, which was before we got engaged.  He said a...

19 jun 11

Running On Auto-Pilot

I have to say... today was the first day since I started my debt elimination plan where I didnt have to consciously think about NOT spending money.  It probably helps that Ive been extremely bus...

15 jun 11

A [Budget] NY Wedding in the Works!

Ive only been engaged a week and a half and Ive already made quite a bit of progress in establishing some semblance of an outline for a Wedding.  Since were in NYC, everything is expensive. ...

14 jun 11

The June Grocery Challenge!

Every Saturday, the Fiancee and I do our Grocery Shopping. One of our monthly goals for June has been to get our grocery bills under $100 per week. Wed been typically spending about $150 per week, ...

11 jun 11

If Checking Accounts Could Talk

Remember how I said I was "Almost There" to my next paycheck and that I hadnt spent any money on any unnecessary purchases and I was certain Id make it? Well, not quite. Not to pass any blam...

11 jun 11

This Will Get Personal.

Boy, has engaged life hit me hard.  Its felt kind of like what Ive always imagined winning the lotto would feel like (minus the winning money part) - people coming out of the woodwork all over t...

09 jun 11

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