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Enthusiasm of a brown bag


Listen up folks…more great advice from Fabulous & Money Savvy…

Originally posted on Fabulous & Money Savvy:

Isn’t it amazing that most people want change without willing to put forth the effort? Living paycheck to paycheck is all too familiar to many. Believe it or not, small changes can make the biggest difference. Where can you begin? As simplistic as it sounds, the solution starts with you.

What makes matters worse when thinking of how to save money is that you actually fail to save. It is amazing how often I see individuals eat out for lunch daily, only to complain they are broke before payday. When asked, “Why don’t you pack a lunch”? I was told that no one likes to eat leftovers. So, let me get this straight. You would rather go broke, not have an emergency fund, and live from paycheck to paycheck, than eat leftovers? Now, that’s ridiculous!

A brown bag lunch can change your future forever. This simple gesture will improve…

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Interest and Commitment


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Requires personal effort…

That’s all.

Happy Sunday.

Asparagus Tomato and Onion Tuna Frittata with Avocado Slices

I have to try this recipe.

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Stop using credit cards to support your lifestyle


I second that emotion.

Originally posted on Fabulous & Money Savvy:

I remember years ago while in college I applied for many credit cards to receive a free gift. I had no idea how to manage credit and it [credit cards] became a gateway to a larger habit. I became addicted to designer labels, jewelry and accessories. Credit cards became my crutch.Credit cards

The ‘buy now, pay later’ behavior slowly became part of my demeanor. When I didn’t have enough money to get what I wanted I would simply pull out the credit card and charge it. The balance quickly spiraled out of control and became an embarrassment. It took days to charge out a credit card, but years to pay off.

It was a lesson I learned and realized that it wasn’t a behavior that I wanted to continue. Fast forward twenty years, I still witness consumers in my age group surviving on the plastic.

Credit card statements now display how…

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Recognize bad banking behavior

Originally posted on Fabulous & Money Savvy:

It seems that I’m always a witness to consumers making wrong decisions and blaming others for the outcome.

One day [prehistoric to auto-everything], I was standing in a teller line waiting to deposit a check when I overheard an irate customer yell about her overdrawn account. She was disturbed that her account was hundreds in the hole.

As the Branch Manager kindly explained that Friday, Saturday, Sunday, and Monday was one business day, the ATM wasn’t able to register as quickly to accurately calculate a balance so her account could easily overdraw if she continued to make ATM withdraws. The consumer didn’t feel liable because the bank allowed her to withdraw so they should be responsible for the “mistake”.

“Big bank overdraft fees for a single transaction are very high, ranging from $33 to $37 at the largest banks,” noted Jean Ann Fox, director of financial services for CFA, in…

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