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My Budget Journey- Week 7

Well week 7 has ended and I must say that I am still on track. I managed to put up more money because more money was made. Instead of putting more in my emergency fund, I managed to put a little more money into stocks and less in other funds, which is paying off big time. We spent a little bit more than expected due to my fiancé visiting her mom out of town. It still did not get in the way of my monthly savings. That's the beauty of our budget, we don't neglect out emergency fund just to go out and do extra things, we make the money to do it.
What I've Learned This week - This week I learned that the main focus should be to secure my emergency fund even if I can't send as much as I would like to other funds such as my travel and miscellaneous. I am actually thinking about canceling my miscellaneous fund at the moment. I think that I might be overdoing my budget with all of these funds, it can make things a little to confusing. After I put my 10 percent in my savings, p…

My Thoughts - How the Hell Can You Be Bored?

This past Saturday a friend of mines called and asked me what was I doing for the day. He was out riding around Atlanta talking about he was bored and needed something to do. I just happened to be on the treadmill and he just happens to be severely obese. I told him "you got something to do, you need to get ya ass in this gym", and I was dead serious. He started to laugh but I wasn't playing when I responded. All he was going to do is ride around until he got hungry, and stopped an spend his money on some bullshit that he has no business eating.
I told him that when I leave the gym I am going back home to read some stuff about investing, and after that I might jump into the bible. I've been really slipping on my scripture reading lately, so I try to make time for it on the weekends. So after a few minutes of bullshit talk I told him that I would call him back later, I wasn't about to let his greedy lazy ass through me off of my game, I got shit to do! He was lik…

Stock Trading For Newbies - Five Things You Need To Know Before Buying

It has been has been a year since I first hit the buy button, and boy have I made some mistakes. I pretty much jumped in and started to buy with no understanding of what the hell I was doing. I made the mistake of not studying and researching trading, and I paid for it. Trading can be intimitadating being that you hear all of the stories about people losing there money. Trading stocks is a very risky game, but it's not as risky when you know what you are doing.

Fast forward to a year later in my trading career, I have cut my losses and started gaining much more that I lose. I am excited about my growth and potential earnings in the near future. I want to share as much knowledge as possible about trading stocks to my readers. I hope that I can prevent you from making some of the mistakes that I made early on. Listed below are five things that would have made my life much easier when I first hit the buy button.
Find a Mentor - I cannot began to tell you how important it is to find s…

My Budget Journey - Week 6

Well today marks the start of week 7 and ends weeks 6. I must say that this week went pretty well even though I spent a little more money than usual. I was able to put up $350 dollars into my emergency fund verses the usual $100 goal due to overtime. I even had some extra money to throw some money into the stock market. I got paid from my part time job this week and I was able to put that entire check up. Last but not least, I was able to buy some furniture for my apartment which is always great.
Now back to the little more money that I spent!! This week included Valentines day, so this means that I had to by my woman a few things. We also went out to eat so, which is something that we don't do often. It didn't hurt our pockets because this was already planned for, and we both have been working overtime lately so it was no problem for us.
Things that you can learn from week 6!
When you are doing your budget for the month, make sure that you include any out of the ordinary thin…

Time Is Money: Don't Let Social Media Rob You!

As I was sitting here trading stocks online today my twitter account kept going off. I kept going back and forth checking for updates on my timeline, and the next thing you know my ass was on instagram. Now I am going back and forth from twitter to instagram and all of a sudden the shit hit me, an hour had went by and I had accomplished nothing. I hadn't made a dollar, I did not research any potential new tickers (stock), and I hadn't made any new beneficial friends on twitter. The one thing that I did manage to do is... not accomplish SHIT!
Needless to say that I wasted a whole lot of my time, but I wasted a whole lot of my time. What I should have been doing is trading, researching, and developing new ways of bettering myself. It didn't even have to involve money, I could have read my bible or just read a good article. Now that I realized that I wasted quality time, which time is one thing that we can never get back, I decided to pull back from the social media thing an…

Blog about what you actively do!

Have you ever wanted to give up on your blog? Have you ever got bored and couldn't think of anything to blog about? Have you changed your niche multiple times? Well if you every did any of these things, you were probably not writing about the things that you actually do. I have owned quit a few blogs in my day, and I have given up on 99.9 of them. I was blogging about things that I thought would make money  or just to attract a huge following, and boy was I wrong.
When you are forcing yourself to blog about things that you aren't really into, or something that you think will make money, you will eventually loose focus. I recently turned this blog into more of a personal blog. I have started documenting what I actually do in my life, and this step is pretty easy. Everyday I keep up with my spending and the stock market, so it makes it easy for me to write about these things. It really takes minimal effort to write about what you just got finished doing.
Now when you write abou…

My Budget Journal - Week 5 - February

OK so this week was a little rocky, I spent a few dollars here and there. Its not that I spent well over my budget, its that I didn't keep up with what account my money came out of. I have different accounts and at times I have to pull money from one, and then put it back when I get paid again. I spent $27 dollars over my budget which wasn't bad, but I am going to have to keep up with were I pulled the money from. 
The way that I plan on correcting this is to put all excess money into my miscellaneous account, and if anything comes up that is non-emergency Ill  pull from that. This will keep me from trying to put money back into my checking's accounts, because my miscellaneous is not a savings but more of a stash. If I don't need anything I won't spend out of it, Ill let it just build up.
My key goal is to not pull any money out of my emergency fund, which is something that I haven't done since I've. Next week I will be adding an extra 100 to my emergency …