Why I’m Not Signing Up For ObamaCare Even Though I Need Healthcare

I Can Not Afford It


Yeah, I pretty much can’t afford it.  You can stop reading here if you want, but I have some data to back up my reasoning.  Enter the rabbit hole with me.

First, I have to say that I welcomed the Affordable Care Act when it was proposed as a single payer system.  The way that it would have worked (ideally) is that Medicaid would be the benefit carrier and as long as your doctor accepted Medicaid, you would have some level of service.  It would have been a much easier solution to the hodgepodge mess that has been enacted.  I’m ahead of myself.  Let’s backtrack on how I came to this decision. […]

Life Insurance

Why You Shouldn’t Depend On Your Employer’s Life Insurance

For the first time in my life I’m buying life insurance.

I’ve always had life insurance coverage through my various employers, but I never bothered to purchase my own life insurance because I thought that I didn’t need it, and honestly I probably didn’t.  I had absolutely no assets, plenty of debt, no children, no spouse, no one depending on my income and enough in my retirement account to bury me…with a little money left over. […]

Yes, I Am Sandy - Unemployed

I’m Unemployed & Coming Out The Closet

As of last Friday, I am officially unemployed with no new job to go to.  Are you panicking for me? Because I’m not.

I’m smirking as I write this post that has been months in the making while sipping on a cup of calming ginger tea.  My heart is beating loudly as if playing out a scene in The Tell-Tale Heart, but it’s at the excitement of what is to come in the next few months.  Life is beautiful, and for just this week, I took the time to stop and enjoy being alive and happy.

If you recall I resigned from one job over a year ago to take another job with a different employer.  The new job was in the field of Human Resources, something that I had wanted to do my entire career.  When the opportunity presented itself, I was hesitant at moving because I liked my previous employer a lot.  But, after speaking with my better half, I was convinced to get over my reservations and accept my dream job.

Within two weeks of joining the new company I knew that I had made a terrible mistake.  My job?  Oh, that part was easy . The office and company? That was the issue.  But, I’m nothing if not positive, so I decided that I would give the new job at least six months of observation before making a decision on leaving or going. […]

2013 - Retrospective

2012 Retrospective & What’s Coming In 2013

The beginning of the year is a great time to reflect on how your activities of the previous year.  By now you must be tired of seeing every kind of 2012 retrospective imaginable, but don’t shut your computer off until you’ve read mine!

As you know, I owe the entire existence of this blog to my journey out of debt.  As with any journey, there are ups and downs, but by putting one foot in front of the other you will eventually get to where you are going.  So it has been with my debt.

I began the year 2012 owing my creditors $101,056.63 and ended 2012 owing my creditors $144,224.79, an increase of almost 43%.  If you were to take a look at just those numbers I wouldn’t blame you for thinking that I’ve been an abysmal failure at my journey out of debt.  Hidden between those numbers are a host of things that happened within the year including the fact that I paid nearly $25,000 towards debt servicing.  The great thing about this blog is that I can look back at every single month and see what major events occurred that might have added to my debt. […]

I’m Leaving Prosper.com Due to Technology Problems


Neither a borrower nor a lender be
For loan oft loses both itself and friend…
                                              –  Shakespeare

It’s not me, it’s you.  Sure, we can still be friends, but I think that it’s better for both of us if I invest using other platforms.  No, no there’s no one else involved.  Well, maybe Lending Club did try to win me over a little, but really, you pushed me away.  If you just worked a little bit better, we wouldn’t be going through this right now.

Let’s not make this any harder than it has to be.  I’ll just stop investing with you and transfer my money as loans are paid off.  Oh, my own loan?  Yes, well, I’m accelerating the payments and we’ll just make a clean break.  I’m sorry.  I really wish it could have worked out, but I think that it’s just better this way. […]


On Death & 100 Things To Do Before I Die

Hi guys.  I know that this blog is about personal finance and getting out of debt, but this is also a personal blog…my blog, and my journey through life.  I firmly believe in teaching through stories and laughter.  If you’ve followed this blog for more than a month or so, you have probably realized that my writing style is a bit light-hearted with a lesson tossed in there somewhere for good measure.  But, life isn’t always fun and light-hearted, so this blog will occasionally reflect that too.

I struggle quite a bit with just how much personal information to include here, especially since I share the stories of the people in my life. I share these stories so that we can all hopefully learn something and improve on our own lives.

One of my cousins passed away on Sunday after a battle with cancer.  At barely 33 years old, she is the first of my generation to die.  Realizing how ephemeral life can be is very sobering, especially when you consider yourself to be young. […]

A Texting Driver Could Have Killed Me

A Texting Driver Could Have Killed Me

This is totally off the personal finance topic, but I owe you guys a public service announcement.  That photo below is what the back of my car looks like after someone hit me yesterday morning going between 85-90 miles per hour while texting.  Not pretty, huh?

My boyfriend and I were traveling along the Pennsylvania Turnpike about a quarter mile away from our final exit after a 2 hour drive.   He had decided to come along because I would have to deal with the tenant that I was evicting, and he wanted to see the condition of the house.  So there we are, in this two lane stretch of high way.  Nothing in front of us, no one beside us, when out of nowhere, this car shot up behind us like a missile and hit us squarely in the back.

Click to enlarge!

My trunk where my back set used to be!


No Vacancy For You - I'm Quitting My Job And Retiring by 40

I’m Quitting My Job And Retiring by 40

I have writer’s block.  When something is bothering me, it completely stops my ability to write anything at all until I get it off my chest.  I struggle with how much of my own life to include on this blog that doesn’t relate to finance.  After all, this blog is about my journey out of debt, but I tend to toss in little anecdotes about my life as well.  Hey, I’m human. So, I’ve had this thing stuck in my throat for weeks now, and it made me lose my voice.  I figure, it’s time to let it out.

I’m quitting my job.

There, I said it.  Such a relief. […]

Spirit Airlines Charges $100 Baggage Fee

Spirit Airlines Charges $100 Baggage Fee

Spirit Airlines has officially lost its damn mind.  They have come up with a scheme to charge you up to $100 for a carry on bag beginning in November!  Yes, you read that correctly, one hundred dollars for a piece of luggage.  Spirit has adopted a strategy of nickel-and-diming passengers for everything they can think.  Apparently it’s working because Spirit made a profit of $76.4 million last year – with a full third of its operating revenue coming from fees for carry-on and checked bags, choosing seats in advance and extra legroom. […]