My No.1 financial tip: If you’ve put yourself on a strict budget, and find yourself thinking, “This isn’t so bad; I have plenty of money,” PANIC! Panic immediately, because something has gone horribly wrong.

That’s what I learned in February when I got two credit card bills that I wasn’t expecting. Apparently I hadn’t changed my blog expenses and my on-line grocery orders to my cash card. They went on credit cards instead.

Of course I’d already spent that “extra” money in my checking account.

I switched the accounts to my cash card and paid off the credit cards immediately. I had to withdraw $354 from my Cush Fund to do it.

Sigh. Two steps forward, one step back.


  1. CANCEL ALL CREDIT CARDS EXCEPT NEW 0% AND MY BANK VISA. I paid off all my credit cards except the new 0%, but I haven’t cancelled them yet. Must do!
  2. BUILD UP $1200 EMERGENCY  CUSH FUND. I have $832 in the Cush Fund. I started February with $847, withdrew $354, and added $340 (overtime pay and medical reimbursements).
  3. PAY CASH FOR EVERYTHING. (No new charges). As I mentioned above, I kind of screwed this one up in February, but I paid everything off right away (after I belatedly panicked).

I have a little more overtime pay coming in March, and I’ll see if I can scrounge up some money elsewhere, too.

piggy bank


























Stay tuned…