• Business Talk,  FIRE Financial Independence, Retire Early,  working from home

    Places to Learn New Skills

    Are you ready for the Learn Something New Every Day challenge that kicks off November 1st? By now you should have some idea of some of the new skills you want to attain over the course of 30 days. It could be something that saves you money like learning to sew or can. Or makes you money, like learning how to write more engaging blog posts. In case you’re still haven’t figured out what you wan to learn, or even where to go to learn your new skill, here are my top five favorites sites I use all the time when I need to figure out how to do something.…

  • affiliate marketing,  Blogging,  FIRE Financial Independence, Retire Early,  Online Stores,  Side Gigs,  Teaching and Coachig,  working from home

    Are You Ready For a Challenge?

    Want to have products ready for Black Friday? Want to learn something new by year’s end? If you’ve been following along with my posts, you already know that I’ve set aside November for the BSG community to take part in a Learn Something New Everyday In November Challenge. And last week, I launched the Have 3 Products Ready for Black Friday Challenge. Every week through the end of the month, Tuesday posts will focus on getting ready for the learn something new challenge. Thursday posts from now until Thanksgiving will focus on helping you get those three products finished and on sale. Let’s kick off with the learning something new.…

  • Friday Ramblings

    Friday Ramblings-Would You Like $20 in Free Groceries?

    Another work week drawing to a close. I got three paperback books ready and published this week. Two are from one of my fiction series, and the other, a daily schedule planner. Next week I plan to work on the Black Friday challenge. That is creating three new products ready to be on sale the day after Thanksgiving. Are you taking part? If so, I’d love to hear from you, feature you here and yes, even feature the products you make during the challenge. E-mail me at budgetsmartqueries@gmail.com Not sure what I’ll create yet, but brainstorming will begin next week. Before I close out the week, I joined Imperfect Foods…

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  • Business Talk,  FIRE Financial Independence, Retire Early

    One Piece of the Financial Freedom Pie-Cutting Expenses

    There’s earning more money, saving more money, and another piece of the financial freedom pie is all about cutting expenses. I probably don’t have to tell you that things have gotten more expensive this year. Don’t know about you, but each time I open a bill, like one from a utility company, a piece of paper drifts to the floor. It’s the one saying they’ll be raising their rates later this year. And it’s not just energy costs. Just the other day, I went online to order some of my favorite green tea (it’s my mid-morning pick me up), and had to blink three times just to make sure I…

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  • Business Talk,  working from home

    Where to Stash Your Rainy Day Fund

    You’ve heard me mention my maternal grandmother many times here at BSG. She’s one of my money mentors. She was widowed at 50 and was an independent woman who believed in taking care of everything (including all things financial), her way. (Stubborn is often what my mom called her). One of the many things she taught me was to have money to fall back on, the rainy day fund, that emergency fund I talked about last week. She was the one who took me to open my very first savings account at the ripe old age of eight. She deposited money to open the account and then told me when…

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  • Friday Ramblings

    Friday Ramblings-The Great Thing About Online Grocery Shopping

    Another heat advisory today! It’s hard to believe that just two days ago it was in the 60’s and I had to go grab a sweater. Now it’s not much fun stepping outside. One thing I’m loving that not only saves time, but I think money too, is online grocery shopping. Supermarkets are in the business of making you buy more than you intended but if you don’t see the can of gourmet this and that, the artisan bread or the cupcakes that are on sale, they don’t find a way into your cart. Another thing I love about shopping for groceries on my laptop is I can see the…

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  • Business Talk

    Emergency Funds-Do You Have One?

    Do you have enough money set aside should some major happen like losing your job, or even a everyday thing like needing a new set of tires for your car? My maternal grandmother (one of my money mentors), always had a rainy day fund and she taught me the importance of having one too. I’ve always set money aside for the just in case scenarios that always seem to happen when you least expect it. Take for example something that happened this week. Sunday lunch time I was eating leftover pizza and bit down and knew something wasn’t quite right. I realized I’d lost part of the filling in one…

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  • Business Talk

    Recession Proof Yourself, Your Business and Your Life

    What’s happening in the world reminds me of the old saying about not putting all your eggs into one basket. I work in the creative field and every day I’m hearing about people losing contracts, clients canceling projects, and people generally not knowing how they’re going to make it through the months ahead. Proactive measures are always better than reactive ones so now is the time to think about businesses that are sort of polar opposites of one another. It’s the way successful entrepreneurs have always done it. If one business gets hit during a downturn, you have one or more other ‘different’ businesses to keep you afloat. Say you…

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  • Uncategorized

    Summer Money Makeover

      It’s not yet ‘officially’ summer but Memorial Day’s been and gone so I thought we’d kick off a summer financial makeover. What gave me the idea? Over at my writing site, I’m setting up a summer writer’s retreat where we’ll get books started or half-finished ones will get completed. It’s running from June 1st through September 1st. Three months to get something done that maybe you’ve been talking about or even just dreaming about doing. So I thought how about something similar here at BSG. What would your financial makeover look like? Maybe you want to finally set up a budget? Perhaps you want to get started on saving…

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  • Uncategorized

    The Added Cost of Fear and Uncertainty

        What if it breaks, what if the car breaks down, or I lose my cell phone… We all have one of those days, sometimes one of those weeks. Put it down to bad luck or the universe not being on our side. We’re human so that makes us worry and companies know that. Sometimes it’s the fear and uncertainty of everyday living that costs us more money than it should. What got me thinking about this? I’ve been reading a couple of financial books (I’ll be reviewing them here on BSG at a later date), and both of them mentioned that oftentimes we pay more because a company…

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