Greetings to all my lovely sisters!!! It feels so good to be back. Can you all believe that I forgot my password and the email addy that i used to sign up here.......... Anyways.


I have a few tips that help me out. I do my projected budget monthly and I only leave that amount in my checking account... everything else goes into my savings..

I cut up my credit card!!!!-- I still pay it off but I can't buy anything. closing out an account will affect your credit score in a bad way so don't

ATM cards are Devil Incarnates!!!! you don't need them. If you must, take out $100 bucks and force yourself to stretch it for a week or two.

I went to a finacial planner and she helped me out with the basics.. then she tried to charge me $400 for 10 visits with her. So I put the $400 in my bank account and I just keep adding on to it. Saving money is like being on a diet. You need will power and a buddy! LOL