safe spending

I don’t know about you, but sleep is an essential for me. I really prioritize a good night’s sleep because I am NOT a happy camper if I don’t. You wouldn’t like sleepy-me. (Or hungry-me but that’s a story for another time.) If I don’t sleep well, I wake up groggy, it takes a crane… Read More

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