October ended on an optimistic note! This post will reflect how I did in several “life categories”, both positive and negative. Critiquing myself in writing and sharing it with you holds me accountable. It’s also therapeutic and this activity prevents me from having long, drawn-out conversations with myself. Writing also helps me to keep track of my goals. Furthermore, I want to hear how you did this month with your finances, nutrition, goals, accomplishments, and anything else that you want to share with the general public. We’re all so nosy in this social media space!


Financial Education 101!

As we all know, financial literacy courses are not taught in most high schools. I would certainly lobby for legislation to bring this to fruition. I guess that idea went out of the window with cursive handwriting and Hooked on Phonics, two necessary skills if you ask me. With that being said, on a chilly Friday night, I had dinner with my 20 and 22- year- old sons at a local restaurant. I wanted to speak with them about their lack of savings and what we should do to fix the issue. I told them that it’s time for them to buckle down and start saving and preparing to get their own place. Yes, I said it! Time to fly the coop! In order to do that, I needed to evaluate their spending habits and assist them with budgeting. We talked about their goals over dinner then we went home to strategize and to create an action plan!

On the way home, I made them listen to a podcast called “The His and Her Money Show.” The show hosts were interviewing a goal-oriented, focused young man named Phil Risher. He talked about how his mother, who was a single parent, raised him to be fiscally responsible by allowing him to fail at managing money and forcing him to budget. He also had to use student loans to pay for college. He managed to work hard, save his money and pay off a whopping $30,000 in student loan debt on a $48,000 a year income! He eventually saved enough money to purchase his own condo! He is now 27 years old. He shares his experiences on a blog called “The Young Adult Survival Guide.” My sons were intrigued with this young man’s testimony and so was I. I reached out to Phil through his blog and he gave me some additional tips on what to tell my sons when it comes to finances.

When we arrived home, I made them write down all of their monthly expenses on the whiteboard. They were amazed at how much money they could be saving! Then, I assisted them with downloading the Mint app to help them keep track of their expenses and to establish monthly budgets. Nov 1, 2017, is day 1! I also told them to set small goals, and they did. I’ll keep you posted! Another financial win this month was being able to stay within budget during my vacation.

Food and Fitness

I participated in the Baltimore Running Festival and completed a half marathon that I didn’t train for in under 2 hours. That was pure luck but I enjoyed running with my friends. The weather was perfect and the crowd support was amazing!

The supermarket budgeting that I told you about was a big fat fail. I did do the things that I said I was going to do but I still went over budget! I’ll work harder this month. Not everything can be a win. However, I did manage to pay extra money towards my car payment and I had no Baltimore Gas & Electric bill for the month of October! Winning!

New Podcasts

Below is a list of podcasts that you may want to listen to if you’re trying to get your money right:

  • Death, Sex, and Money The title is self-explanatory. So far, I’ve listened to four student loan episodes which were very informative. There is no way out other than paying off your debt.
  • Couple Money Podcast- This is a great one for my married readers. The host really explains the intricacies of couples and money management.
  • The Minimalists Podcast- The hosts discuss multiple topics surrounding money and financial freedom.

November Goals

Because we are building a community, it would behoove me to share my November goals with you:

  • Research how to manage investment property
  • Longer strength training leg sessions at the gym
  • Meet with a retirement specialists on November 17, 2017
  • Finish the “Total Money Makeover Book”
  • Continue working on finances with sons
  • Vision board party with my tribe

Readers, what are your goals for the month of November? Our readers want to know!










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  1. Great post! I am going to check out the couples and money podcast because it is the biggest issue between my husband and I. I’m a spender and he’s a saver. I know we’re not unique in our struggles there! Can’t wait to get some outside perspective!

    1. Yes mam! I’m not married but I have a significant other and we talk about finances so it’s always good to get some tips from experts ! Thank you for reading!

  2. I have really learn a lot from your blog, especially the financial information you provide. I’m retired but there are still goals that I would like to meet and create a budget that works more efficiently. I’ve recently embarked on a real estate project and I am 50.00 over my budget for it, it may seem like a little but on a fixed income it matters. Thank you and keep on BLOGGING!

    1. Thank you and good luck on your business endeavors! Thank you for reading it! Will you profit enough to get back within the budget? Maybe ask for Christmas gifts to help support your project?😊

  3. Lovely round up! I have been wanting to get into podcasts for a few months now and those sound extremely beneficial. Will definitely check them out! I also really need to plan my November goals. How is it already the 9th?!

  4. I also should sit and think about my budget and savings. I think it’s a really good idea to plan everything. Maybe this will help me to save more money.
    Great post, take care!

  5. It’s nice to know that you taught your children how to save and thrive financially. It is vital for younger minds to be educated about this! It is not an easy thing to do.

  6. Great read! This is very helpful, will take it with my son too. Congratulations on that half marathon! I ran my second half marathon on Oct 1, 2017 but not under 2hrs lol.

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