In a matter of days I will have a lonely $50 in my savings account. I have to dish out some money to the realtor so we can put the contract in on the house. I know that what I am doing (buying a home) is a great thing to do but seeing my bank account dwindle next to nothing really hurts.

Thank goodness I have been able to put some money aside for the past few years. It looks like me and the BF are going to be making an offer on a house. Now the fun really starts. I am looking at all the money that I am going to have to spend not only and a downpayment but on all the things we need to do just to move. Oy vey.

Well I posted $50 to my Sharebuilder acct yesterday and I got an email saying that it was posted today. I have a money market account that is labeled as "conservative". Wow. This may be the first time I have ever had that label

After looking at where I am saving I came to the conclusion that I am indeed saving 10% of my income. That's pretty good news. I think the the next thing I am going to work on is my cc debt. I don't have much but just looking at the bills every month annoys me. Two cards are clos to be paid off one has a higher limit that I keep charging to. This is the one I need to focus more on as I am going to need it soon to make some home purchases.

A few minutes ago I opened up a Sharebuilder account. I have been wanting to do this for about a year now but never had the nerve to. Finally I looked at my budget and decided to start with $50 a month. My gym membeship is giong to be cancelled soon so I will use that money to fund this. I figure it is a better use of the $50. Can any other Sharebuilder kin out there help a sister out with some advice?

Yesterday I had lunch with a financial planner from Ameriquest. I "won" a free lunch at a local pizzeria but the catch was that I had to sit with him. I had cancelled it once but after speaking to a friend who suggested that I see a planner I decided to finally do it. So I bit the bullet. He was nice and gave me a lot to think about as far as my finanial future goes. The one question I am stuck on is "What kind of lifestyle do I want when I retire"? To be honest I never even gave it a thought. I know I don't want to me broke and Medicaid for sure.