Jana Says

Living life from cover to cover

Latest Posts

Breaking down–pet expenses

Although I have not yet detailed my budget, I wanted to explain one of our budget categories–pet expenses. We have 2 dogs who are very high maintenance breeds (bichon frise and bichon/poodle mix) as well as one outdoor cat. As they are members of the family, I have no problems spending the money but there are some months where I just marvel at the cost of having pets even after budgeting for them. So what do […] Continue Reading…

My descent into debt, part 2

If you missed part 1, read it here. I was fired from my government job in February 2002. I was fortunate enough to find employment by May 2002. I was offered 2 jobs–one a temp-to-hire, the other full-time position. Being the practical person that I am, I opted for the full-time, even though it was lower paying and located in West Philadelphia. It was in my field, it was full-time and offered health insurance, and […] Continue Reading…

A short vent about “fixed income”

If there is one term in personal finance I loathe, it is this–fixed income. Fixed income is technically defined as “income that does not change”. Fixed income is usually a term reserved to describe those who are retired, living on a pension/Social Security or those who are on some sort of government assistance, trying to make ends meet on a small monthly amount. It’s a pretty negative term, designed to conjure up images of those […] Continue Reading…

My descent into debt, part 1

My journey into debt happened slowly. I didn’t just wake up one day, in a money hangover, owing close to $60K. It creeped up on me, one credit card swipe at a time. And now, I’m just sick of it. It’s time to take back my money. So how did I get here?Like so many others, I graduated from college (and graduate school) with credit card debt. But that was my only debt. I had no […] Continue Reading…