Jana Says

Living life from cover to cover

Latest Posts

My descent into debt, part 3

Part 1Part 2Although 2002-2006 were the lost years, the year that had the biggest impact on us as far as accruing debt is concerned was 2004. In that year, the following events happened:We got marriedMy husband finished graduate schoolI got a job with the StateMy husband got a jobWe bought a houseWe got a dogWe bought a new-to-us carThat’s a lot to handle in one year. We didn’t buy a house that we couldn’t […] Continue Reading…

E-reader: yes or no?

As I mentioned yesterday, while I was at the movie theater waiting for my husband, I was reading a book (Downtown Owl by Chuck Klosterman). A man said to me that I should get a Nook. Though it took me a minute to realize exactly what he was talking about, I then felt compelled to defend my choice not to have an e-reader. I stand by my decision (unless a Nook or a Kindle […] Continue Reading…

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…