Not going to even try and lie, I’m flat out. The last couple weeks have been insanely crazy busy and I’m behind in everything. Sigh.

When I get this flat out, I get seriously overwhelmed and just crawl into bed and sleep (which is probably what I need most about now, about a day’s worth of sleep…)

This isn’t productive. (Go ahead, say it with me – “Duh.”)

Instead, I make a To-Do list. I know it’s fairly common to have one, but I only really need one when I’m this far gone.

Here’s what’s on mine now (in no particular order):
___blog posts/updates for my other blog
_X_get frames for some pictures I want to hang (even found them for $5 each)
___frame and hang pictures
_X_take more Splenda to work
___get frog stamp for Etsy Shop
___fill out font sheets
___do something to my nails
___bring extra tv into work for my secretary’s daughter
___get oil changed
___get car inspected
___make new mixed cds
___figure out what cable it takes to connect my laptop to my tv
_X_cut coupons for grocery shopping (and they’re separated by store)
_X_get rid of expired coupons
___change sheets on my bed
___figure out what to make for aunt’s bday party
___bday presents for A, S, and L
___make more muffins
___get groceries (another entire list)
___return items to
___thaw chicken from freezer
___clean kitchen
___finish washing dishes
___clean out fridge
_X_do something with apple pie (I ate it. For shame)
___get rid of extra vacuum
___find Nora Roberts book for boss
_X_bring in National Treasure for boss
___get haircut
___transfer $62 to ING
___put laundry away

This isn’t by far the final list, just how it stands at 9am today. Nor does it include anything work related. Ha! Hopefully, it’ll be able to be done this weekend and I’ll update it on Sunday to show my progress.


What’s on your To-Do List?


They say no news is good news, but with everything negative going on no one wants to even watch the news anymore so no news really IS good news.

Until this.

Brian Williams (NY) asked for some “good news” to be sent to the station.  He got a lot of it.


See? There are really good things going on out there.

Just yesterday, as I left my office for lunch, I noticed one of my co-workers in the parking lot struggling with the headlight on her car. The bulb had gone out.

I fixed this MANY times in my old Nissan (like every 100 days – enough that I’d buy the bulbs in multi packs…)

I asked if I could help and quickly had the old light out and the new one in. I saved her $20, but I also saved her time, effort, and I’m not going to lie, it wasn’t warm outside.  We live in fricken Upstate NY for crying out loud.

It was easy to do something for someone else. It took me a whopping 3 min to do it and it fricken made her day.

She brought me a gift card to Dunkin Donuts. Very unnecessary and I told her that – but she insisted.

I only really buy something at Dunkin Donuts on Sundays if I stop for the paper on the way to swimming lessons so $10 should last me at least a few stops.

I’ll put that $10 I don’t spend this month at Dunkin Donuts into my ING account.


What little things have you done to help someone lately?

I shop online. Not going to lie. It’s easy, convenient and often better prices than in the store. Since the introduction, I’ve made use of it.

Yesterday, I found Ebates 

(A little annoyed I didn’t know about this last month considering I did a bunch of online shopping for my party, but that’s ok.)

By shopping at places I shop online anyway, I get a certain percentage of my shopping back. 6% at 3% at iTunes 4% at Target (and those are just the ones I shop at regularly! The extensive list can be found here. (There’s even some fun places I didn’t know existed! anyone?)

I got $5 for signing up. (And not going to lie, another $5 for anyone who sign up with this link and goes on to make a purchase through Ebates.) 

It cost me nothing to sign up, they’ll send my money to my PayPal account…and its places I shop anyway.

Why not? Extra snow flakes won’t hurt!

I’ve been feeling icky about the financial situation I’m in. I’ll get into more of it sooner or later, but I’m ready to make changes to make it better.

See, I’ve been reading a lot of Personal Finance blogs over the last few weeks and realize that it is totally possible to make these changes and better my situation.  If other people can do it, so can I!

My situation isn’t as drastic as some of the ones I’ve read about, but I’m not comfortable with it by any means. I’ll get into specifics in future posts, but I’m going to put my total debt at under $15,000 including student loans, credit cards, personal loans, and some past due bills I’m still working on paying off.

Not horrible, like I said…but not comfortable.

I invite you to pull up a chair, get cozy – maybe with some tea or hot coco- and enjoy my journey with me. I don’t pretend to be perfect regardless of what my grandparents think, and I’m going to make mistakes…but little changes and practice will make those mistakes fewer and further between. I hope!

The first step today? I have $10 left over from the money I planned on spending this weekend. Instead of buying sushi lunch with it? I put it in my savings account. (I guess that’s what you Personal Finance bloggers would call a “snowflake”.)

It’s not a big step or even a big “snowflake”, but here in Upstate NY we do understand just how fast those “snowflakes” can add up!