Saturday, September 13, 2008

Day One of My Financial Success

For the last 8 years I have been teaching. Don't get me wrong, I enjoy my job, but I haven't been doing right by my money. Working 5 days a week can take a toll on you. I don't believe that all of our time should be spent working like this. I have had financial success, but not to the extent that I want. I am 33 years old with no savings and I am definitely not at the place where I thought I would be financially. I make candles and have been doing that for some time, but not where I want to be. I am currently working on building a website for them. People come to me and ask for candles for gifts, but I know I could do much better in that area. My goals here are to discuss my financial success. I know I can achieve it and with a audience I think I will do better.
During the month of July, I started a Financial Planning/Support Group. We meet monthly to discuss our financial goals as well as personal goals. There are only 6 of us, but we have been working diligently to help each other obtain our goals. The first thing we discussed was our credit history and scores. Many people are afraid to talk about money or even look at there finances. How can you know if you are afraid to find out? So for the month of August everyone had to find out their credit history. When we met in August everyone found out that information and had started paying things off or even disputing the information. We used to find out our credit history. Many of us had things on our report that was old, or wasn't our, we had no clue about it, or the information was just wrong. For $39.95 a month you can get all three reports and scores. You can only dispute with Experian online.

The addresses for Experian and Equifax are:
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256

TransUnion Customer Relations
P.O. Box 1000
Chester, PA 19022

Also, you are eligible for one free credit report a year depending on your state. If you have never obtained a copy of your report please do so. This report doesn't come with your score, but the report is a great start.

Starting at the end of this month, I will save $450.00 dollars for the entire school year. Every time I try to do this something happens. The element of surprise is something we have no way of planning for.

Below you will find a list of my financial goals:
Save $450.00 for 8 months: $3600.00
Truck paid off January 09 balance of $3,930.54
Save money
Don't Overdraw in my Checking Account
Stop borrowing money
Learn about investing in the Stock Market
Build money with current properties
Refinance both homes
Pay off Student Loans
Make money online
Stop spending unnecessarily

These are just a few things that I am going to achieve. I will post every other day to let you know my ups and downs. Things I have learned and even things that where not successful. I would like to do all of these things in at least 3 years to date.
Post a Comment

Privacy Policy

Privacy Policy for

The privacy of our visitors to is important to us.

At we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use and visit, and how we safeguard your information. We never sell your personal information to third parties.

Log Files
As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.

Cookies and Web Beacons
We do use cookies to store information, such as your personal preferences when you visit our site. This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.

We also use third party advertisements on to support our site. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).

You can chose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.