Author

Robin Rose

Robin is a full-time business professional who has worked in the insurance industry for over 20 years. She is also a personal finance blogger who shares her first hand experience with the struggles of money and debt. On Mastering the Side Jam, she focuses on ways to maximize efficiencies to make & save money, pay off debt, and live your best life. She has been been featured on The Money Mix, Rockstar Finance, The Financial Diet and Women's Money Talk, and has been quoted in various online publications.

7 Financial Goals You *Should* Be Setting for the New Year

What are your financial goals?
What are your Financial Goals? How will you achieve them?

7 Financial Goals You Should Be Setting for the New Year

The New Year is finally here! With all that has come about unexpectedly this past year, making sure your finances are in check is more important than ever.

If you haven’t thought about creating some resolutions for 2021, here are some financially-focused goals you should be setting for this year.

1. Track Your Expenses Regularly

First things first: Schedule time to take a look back at previous years to get a good idea of how much (generally) you’re spending per month.

This will allow you to set a budget (if you don’t have one already), and have a clearer picture of how much money you can realistically save. Not only that, but it can shift your mindset and force you to think through on all your purchases.

If you’re unsure of how to get started

Continue Reading…

Requiem for a New Year: 2020 Coming to an End (Finally!)

Requiem for a New Year
A Requiem in honor of the New Year

 

Requiem for the New Year…

* 2020 *

We’ve seen all the memes, the parodies, and the tongue-in-cheek satire.

Poking fun at what an overall sh*t show this entire year has been.

For me, it’s been a little disappointing — Because I was *supposed* to become a “new” woman this year.

I was supposed to bounce back from a long-lasting, crappy situation.

I was supposed to redefine myself. Come into my own. Lean into my discomfort & emerge from the other side as a whole new me.

What happened? Well, 2020 happened.

Covid. Global pandemic. Sheltering in place. No socializing or in-person gatherings.

Don’t get me wrong — I 100% believe in the science behind it. I support the reasoning for remaining safe while in self-isolation.

But it sure the heck has been freakin’ lonely, ya know??

And after much reflection — now that this dumpster fire of a year is finally coming to an end —

I realize I’ve been internally beating myself up for not writing more. For not socializing more. For not putting myself “out there” more often, so I could kickstart my new life.

Feeling inadequate for

Continue Reading…

Debt Payoff Update: Be Careful What You Wish For

Dandelion Wish Debt Away
 Dandelion — Can’t Wish Debt Away

You Cannot Wish Debt Away

It’s funny, when you spend so much time wishing for something to happen.

Wanting it so badly, it’s all you can think about. And you imagine what life would be like, if you could only accomplish this one goal.

Make this singular change that’ll make everything worth it. Something that will improve your life exponentially, so you can finally enjoy a brighter future.

And then it happens.

But it’s not exactly as you imagined it would be. There’s a twist at the end. A kink in the plan. A curve ball you didn’t see coming.

Or maybe you did see it coming, and chose to ignore it. Ignorance is bliss, isn’t it?

So here is where this is all coming from. The story begins with …Debt.

Continue Reading…

9 Ways to Celebrate the Holidays Without Buying Gifts

Shopping for the Holidays

It’s the holiday season.

Are you done shopping for gifts? Have you even STARTED shopping yet??

Orrrr…….

Will you be shopping for gifts at all??

*Dun dun dunnnnn …….*
(dramatic sound effect)

Would I be a total Scrooge if I suggested you not buy any gifts at all this year?

Lately I’ve been contemplating the things I LOVE about Christmas, aaand the things I hate don’t like quite as much about Christmas.

Things to love:  

  • Memories from when I was a kid
  • The season’s first snowflakes making landfall
  • My two dogs playing in the snow
  • Christmas carols
  • The smell of a real Christmas tree
  • Driving through the neighborhood looking at all the festive holiday lights

Things I could do without:  

  • Pushy, inconsiderate people who don’t believe rules apply to them
  • Having to go into a grocery store for any reason
  • Crowded parking lots
  • Coworkers pushing deadlines onto you at the last minute so they can start their Christmas break
  • Traffic jams
  • People who don’t sneeze into their sleeves 
  • Post-Christmas credit card hangover

Now some of the things above cannot be avoided.

You can’t exactly tell your coworker to take their work assignment and shove it up their *ahem* chimney.

Continue Reading…
%d bloggers like this: