Jana Says

Living life from cover to cover

Latest Posts

What I learned from controlling my spending

In May 2008, I joined the Women In Red Controlled/No Spend board. I joined amidst the throes of paying off a large amount of debt, knowing that if I didn’t get the little spends under control there would be no way I would get the large spends under control. The concept of the challenge was simple–aim for as many no spend or controlled spends as possible in a month. A controlled spend, in my definition […] Continue Reading…

When free isn’t

Here in the personal finance world, we love the word free. Except there’s a catch with the word free. Free does not always mean better. Yes, not having to pay is certainly better than having to pay. Absolutely, 100%, every time. But a free item doesn’t always mean it’s a good item. And a not so good item means that you will eventually have to pay. Here’s an example: When my grandfather passed away […] Continue Reading…

Guest post–Money Talk: Kids Edition

The following is a guest post from my friend Mrs. C who blogs about life, food, running and creating a living legacy at Another Housewife. I’m honored to have her post here as she is my frugal mom idol. What this woman does with 4 kids, a husband and a small budget is amazing.Trial and Error. That is our method of parenting, including teaching our kids about money. I dream of raising financially savvy kids, […] Continue Reading…

Guest Post: What a Lamp Taught Me About Personal Finance

In a Daily Money Shot first, I’ve swapped posts with So Over Debt. I’m honored to have a guest post from So Over Debt, who writes about money matters as a single mom getting out of debt, and I’m thrilled to have a guest post over on her site. In fact, her site is one of the ones that prompted me to start blogging (you can either send her either thank you notes or hate mail. I’m […] Continue Reading…

Sometimes it’s OK to splurge

Today was payday in my house. Actually, it was one of the 2 “extra” paychecks we get each fiscal year. No bills get paid out of these paychecks. We use 24 out of our 26 paychecks, plus the majority of our second income, to pay bills and pay off debt. We’ve decided, together, that for these 2 “extra” paychecks, we let ourselves have a little breathing room. For these paychecks, we spend the money on […] Continue Reading…