I started the journal!! 
and there is a picture of her there.
2 Likes
Hi I’m cornflakegirrl. I’m really ashamed about my inability to properly budget. I stumbled upon the Oh My Dollar podcast on spotify and am listening to it during my commute to work. I’m good at earning, crappy at saving (except my 403(b), I’ve done ok there) and horrible about budgeting.
I live with my partner, two daughters, two dogs and my awesome cat
My Budget busters are eating out and my house.
17 Likes
Welcome! This is a perfect place for people with budgeting struggles. maybe jump into the Nov budgeting challenge if you haven’t!
2 Likes
Hi! Don’t feel ashamed, that probably just makes budgeting even harder by loading it with negative emotions. Budgeting is a tool. Lack of budgeting isn’t a moral failure, it’s part of the process of learning a system that will work for you.
6 Likes
This sounds like a fun zoo!
Welcome!
3 Likes
Welcome! I agree with @Gdogg that you don’t need to feel ashamed. This forum is a great place to get help and feedback without judgment.
Also there’s always room for more pet pictures over on the Share your pet thread if you’re willing to share!
7 Likes
Oh yes! Daffodil, catching the important things.
5 Likes
I agree that pet pictures will be fantastic. And family budgeting must be trickier. All those people to take care of! But nothing to be ashamed of, although logic doesn’t work well with feelings, does it?
6 Likes
Lol, it is a fun zoo…the girls are the real animals!!!
2 Likes
…and that is what I’ve enjoyed about the podcasts…been listening to them all week. I used to read Dave Ramsey and while he made sense, his tone in the books just made me feel bad if I picked up a coffee
5 Likes
Hi I’m MissJ, came across this forum when I was searching for a new place that wasn’t just filled with people making $200k and above. After some health issues and a few years of underemployment, my hubby and are I trying to get back on track. New great job for him and new sahm life for me. (Toddler and one on the way!) Wanting to ramp up savings and not inflate our semi-frugal lifestyle. Oh and I’m Canadian eh!
12 Likes
Hello @MissJ - welcome! Most of us are definitely not making that kind of income quite a few other canucks here, too!
Have you figured out the big financial “back on track” goal for you all this year? Security? Just settling into routine with new jobs/roles?
Glad to have you here!
4 Likes
Thanks for the welcome anomalily! We hope to get the last of our debt (car and a credit card) paid off by the end of the year and then 2020 will be about getting savings rate back up to 20% and be able to make a prepayment on our mortgage. Fingers crossed anyway…
5 Likes
Welcome! Having that debt slayed is going to feel so good!
I think even those of us here who do make high salaries are on similar pages regarding values versus money. It’s been so helpful to me to find people that share a lot of the same struggles even though our individual circumstances might be very different.
Feels like a great place so far, nothing against anyone making bank😉
1 Like
Haha I just realized how my post sounds – I was thinking that I’ve learned a ton here from the higher earners, and feel understood even though I’m nowhere close to their tax bracket, when that’s been very rare at other sites even though I’ve felt supported and encouraged there.
4 Likes
I realized that I have never introduced myself! Hi all!
I am 49, female, never married, no human kids but mama to one wonderful cat (Sadie) who has had her pictures posted here already. I found this forum from The Billfold and have been lurking here since it closed, so I feel like I already know all of the beautiful animals you all post about. I live in a mid-size college town in Michigan, and have been at my job for 26 years. I work for a very small family-owned company which is currently making me both angry and sad, but at times in the past has been great, so I am having feelings which need to get resolved soon for the good of my mental state. I have never been a high earner, but I am ok financially because I just don’t need much. I can always try to do better of course, so I enjoy reading the journals here. I have a flower garden addiction and love growing pretty things! Other than that… there isn’t that much else to say. (That’s probably enough, huh?) LOL
13 Likes
Hello from a fellow Michigander!
1 Like
Welcome!
Garden, cat, job feels. Yup, you’re good. 
6 Likes
I fit right in here! LOL
4 Likes