I have been thinking about my Grandma lately. My father's mother. When I think about her and her financial abilities, I can't help but long to be more like her. Before my time, my grandparents owned a bar. When they sold the bar, they bought rental houses in a lower income area. I remember going with her to collect rent when I was little. Somehow, all of the rental houses were paid for. Her house was paid for. She had a nice car that she paid cash for. She had money in the bank and a little in the stock market. But if you saw her, you wouldn't think that she had money at all. She made her own clothes. Cooked dinner every night and would drive around town to get the best deals. She had a stockpile of toilet paper, paper towels, and anything else she could need. But appearance didn't matter to her. She wasn't interested in renovating her house. She didn't need a designer purse. She didn't mind eating a bologna sandwich. So I just wonder if maybe I need to adjust my whole way of thinking. Or at least find a middle ground between the 2. But I do wish she was still here to teach me her ways.

I survived another week working at my main job, our shop and the restaurant job. Tonight is going to be hard because I have my full 8 hours at my main job then I have to work 6.5 hours at the restaurant. I know that I am making progress but it is at a very low rate.


I got hit with a late fee on one of my credit cards. The payment was initiated before the due date and posted on the due date, but they considered it late. I've called and they won't refund it. Its very frustrating because it was $35.00! So that kind of messed me up. I did make credit card payments today and one I paid double the minimum. And all the cards will get another extra payment this month.


Our electric bill came in. I tried to save money this month by raising the temp 1 degree during the day and 1 degree at night from our normal temp. So I was super excited to see that my bill was $110 less than I had budgeted. So I am just going to leave that surplus in my household account so we have a cushion.

I've been at my 2nd job for a little over a week. After working my full 8 - 10 hours at job #1, another 3.5 hours makes for a long day. The good news is that I hope to put my paycheck towards savings and credit cards this week. I can only put $25 towards my card, but hey...at least its extra. But if I can stick with it through November, I will be able to pay off a credit card and add $500 to savings. Its just hard. I am so tired when I come home.


I took off tonight from #2, to go to dinner with my husband for his Birthday. I can't wait to just enjoy the night.


Oh....and termite treatment is Thursday. My sister is amazing and gifted us the money for the treatment. To say that I am grateful is an understatement.