safe spending

Last week, I was talking about debt and domestic abuse, this week I’m talking about preparing for natural and unnatural disasters… You’re probably like “Um, this is getting kinda heavy, Michelle. I’d just like to know how to prepare for my retirement…” Um, hello! Climate change! You won’t BE retiring! Juuust kidding. My answer to… Read More

I’ve been hearing a lot of misconceptions about budgeting on the street that I need to set straight. “The street, Michelle? Really?” Hey, you can take the girl outta Queens… So let’s get real for a minute… The #1 goal of budgeting isn’t just to get out of debt or stop living paycheck to paycheck… Read More

Want to budget like it’s 1999? The other day, I ran up the block to my local cash-only fruit and vegetable market to buy potatoes, onions, avocados, and celery. I had $11 in my wallet and a relatively short grocery list. NBD. The avocados were $1.29 each, the celery was $1 per bunch, and the… Read More

“Treat yourself! You deserve it!” *cringes* Chances are, if you’re reading this, that headline didn’t make you cringe as much as I do when I hear it. Most people are like “Heck yes, I deserve a treat!” Well, let me explain why you don’t. Wait, I didn’t mean it like that. You DO deserve a… Read More

Ask any successful entrepreneur how to ensure a sustainable business and they’ll tell you to stay up to date on market research. Watch what your competitors are doing and stay informed about the trends in your industry. So every now and then, I saddle up on the couch with my laptop and head out to… Read More