A Free App I am Learning About

So this cool little app that I have been recommended to use to save because I’ll be honest and just say it I’m horrible about saving if it’s not automatic. I am sure you noticed in other posts that if it is in my account I will spend it instead of saving it. Not good when I want to go an a GRAND International adventure.

Sorry, but my days traveling as a broke college student or new graduate just don’t cut it any more for me. I’m not saying that I want to drop a ton of money on a trip but I also don’t want to have to not do something that I love or thought it would be cool to try just because I did not save enough in advance.

So this cool little think is called Digit.  I am sharing because I am learning and I will let you know how it goes with this new app.  I also want to let you know that I do get money though if certain people sign up. Honestly though this is not the reason I am trying this or telling you about it. We shall see if it’s a keep or a flop.

Until next time,

Keep it fun, safe, and don’t forget to save

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One Day, One Bill, One Check at a Time

So how does it work? How do you pay things off, travel, save a little bit, and still have fun?

First, I put 20% automatic to a savings account 10% from two of my checking accounts. This money does not get touched unless it is going to a retirement account, IRA of sorts, or to the 403b that I get from my company.

Second, as previously mentioned I have two checking accounts. One for paying my bills such as rent, car payment, utilities, and I set up a way to put money aside to pay for insurance but that will come later. The other checking account goes to paying off the other bills like utilities, groceries, gasoline, and all the other stuff in my life that fluctuates. I have set 30% of the second account to go to stuff like this. The remainder I set aside for fun like small trips, Disneyland, donating to something that I believe in, and a good chunk goes to one student loan after another.

My student loans are in forbearance at the moment and I am also apart of the forgiveness program because I work for non-profits and a school district. This is an interesting way to do it since majority of my student loans were waved because the online universities charged too much and I could not use the degree for anything I was able to be part of a law-suite to pay  a large portion of my student loans off.

The money that I was paying to one bill or loan will then go to the smallest bill that I have. This has worked wonderfully since paying off three credit cards and almost 3,000 (I know it’s not much but I don’t make all that much either though 😉 ).  I will post next month as to how this is going and how long it should take to pay off my car as well.

Until next time,

Safe travels and journeys through life.

 

Why I avoided blogging for so long

Hi there.

For the last five years people have mentioned that I should blog. That really there are people out there that would like to read what my writing and it won’t just be family.

Here’s the deal. I didn’t want to blog well because I didn’t want all my stuff to be all over the internet for all to see, that I would have another thing to do each day, and that I have to figure out how in the world what I was going to say from one post to the next. I mean seriously why would anyone wan to read what goes on in my head.

Well apparently some people do. AND you are one of them. Thank you. Thank you for your time (I know how precious it is). Thank you for your patience. Most importantly thank you for listening.

I will write when I feel like there is really something that needs to be said so don’t worry I won’t write everyday just to get something up here just because I have nothing else to do.

Thank you again and have a good one.

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Cheers!!!

One Day One Bill at a Time

Since I have written this TONS has changed in my life:

  1. I only have one job now and I get paid once a month (OUCH)
  2. I don’t do the Virtual Assisting any more because I realized that it just wasn’t me.
  3. I am now working being a Child Advocate because this is what I am passionate about at the moment.
  4. I am starting to work with young women to help them realize that traveling and experiencing life is so much more meaningful than just studying it in books or reading about it in a magazine.
  5. I am also considering Uber.

Other things that have changed in my life are:

  1. I pay rent $500 USD/mo (I know it’s not much but it’s more than free)
  2. I have a care payment $300 per month
  3. I have paid off $4000 in credit card debt
  4. I am working on getting half or more of my student loans waved because the universities did not do as they promised.
  5. I am using Digit and hopefully it will help me save some money.
  6. The use of coupons and using what I have stored up has helped tremendously
  7. Working for the school district saves me 10% when I shop at Goodwill so that will help

All I know is that this will be a wonderful journey!

The Fluid Reading list of 2015 Reading List

Richest Man in Babylon
Think and Grow Rich
The Power of the Subconscious Mind
Desire Map
Money: the Game
Rich Dad Poor Dad
Cash Flow Quadrant
Bird by Bird
Big leap
Nelson Mandela: A Life Inspired
Outcry: Holocaust Memoirs
Team Leadership : Six Secrets of Powerful Teams , A..
Hamfist Over Hanoi: Wolfpack on the Prowl (The Air Combat
You Can Do It–Even if Others Say You Can’t
Boost: Create Good Habits Using Psychology and Technology
Cooking for Two:Fast, Easy, Delicious Low Calorie Cooking..
Cristina Beach
Brownie Points
Mind Gym: Achieve More by Thinking Differently
The Right Questions
1,000 Awesome Writing Prompts
Finding Inner Courage
Broken for a Purpose
The Bumps Are What You Climb On: Encouragement for Difficult..
Living from the Heart
Quirk Books D.I.Y. Gift Guide
Be a FOOD L.O.V.E.R & Lose Weight
Reasons Your Life Matters
Salads To Go
Principles of Teaching
A Short History of Russia

Hello

My name is Katrina Kaminaka. I have just moved back from traveling and transitioning into the online working world. Thank you for joining me on this wonderful journey.

I love to help people by easing the stress in their lives. At the moment I have been helping entrepreneurs with their daily tasks, crocheting for those in need, couponing as I am saving to get a place and travel, reading tons and will have a book page so that you can follow, and getting to know the area I live in just a bit more.

Working with other organizations to optimize my life financially, physically, emotionally, and mentally has helped me discover that I love nothing more than to support others.

Learning, reading, traveling, moving, crocheting, and refining who I am are what get me from one day to the next.

So A LOT has changed since I last posted and so I add this towards the end. I am currently working in a school district with much time on my hands wanting to learn more about how to handle money better (lets face it the school district has perks but if you don’t invest in them correctly well they aren’t perks).

Over the next few days I am going to be letting you in on my journey to save money to get a new adventure going, save money shopping so that I can use this money else where, learn how to eat better so that I am not feeling so quite under the weather all the time and sharing it all right here for now.

Until next time,

Safe travels through life.