Personal Blog

Daily Diary: Getting My Life Together In 2014 (Starting With Finances)



That is IT. I made a spreadsheet folks and it has formulas everywhere which means that I am SERIOUS. Sure there are plenty of programs out there that pretty much do the same exact thing but in an automated fashion and with one click of a button. But what’s the fun in THAT? Statistics was my favorite class in college. Sit me down with Excel and close the door baby. Fun for hours! WA-HOO.

Am I overselling this? I’m trying really hard because I want to get you excited about maybe getting it all in order too.

The truth is… and I am about to confess something that I have never really owned up to before in my life … I don’t really know where I stand financially. I make money. Bill handles money. The heat and the lights are on. We go on vacation. Life is good.

Well, that attitude sucks and I realize that now. When I turned 36 some virtual brick hit me in the face and I realized that I’m not a college student anymore and it’s REALLY TIME TO GET IT TOGETHER. So, everything needs to be tracked. And I mean everything. I already told Bill that there are two things I won’t budget out — and that’s heat and Starbucks.

Sorry Papi! Not gonna happen. But everything else is fair game.

So, in order to get to where we need to be we have to actual know where we stand. I spent today building out a little template to use and filled in all our credit card info and what we owe. I also wanted to include finance / late fee charges because those really add up and are unnecessary expenses we can avoid. If we see it every month – maybe we will get it together and try to get rid of them once and for all.

JOIN ME MY PEOPLE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Burn that debt. Curb that spending. Know where you stand. You don’t have to make a spreadsheet. Go and buy Quicken or Mint or one of the other billion tools out there that are available online. PS I own Quicken — go figure.

I’m actually excited about it all. I hope it makes a difference!!!!

Vera Sweeney, mom, blogger, social media influencer and New York resident, is the founder of She is considered one of the top female digital influencers in today’s social media space. Her lifestyle and parenting brand helps busy women stay on top of the latest trends in fashion, food, family and travel.


  1. This is sooo me too! I do our finances so I know where we stand, but we want to buy another house this year or next so I want to get down and get serious.

  2. Totally agree with you. I need to seriously get it in gear. I have a pretty good estimate of where we stand, but I really need to set a budget.

  3. I am soooo happy to read this about you and that you need to step up to the plate about finances. I also have found myself in the same place as you and as a 42 year old need to realize that I can’t leave this up to my husband. There will be a day that I will need to take control of finances and I should be better in control of it! Thanks so much for sharing this.
    On a side note: I live in Huntington not far from you and really enjoy reading your blog everyday. Your content is real and usable for a mother of 2. I especially enjoy seeing things here on Long Island that you write about. Happy New Year!

  4. Hello I love your budget plan I am horrible using Microsoft do you have a template I could copy somewhere and just put in my own info? This would be so very helpful for me as I am really wanting to get things in order for the new year.

    1. Give me a few days and I will try to make it into a clean template and have each month done for you. Then I will have it downloadable on the site. 🙂

      1. Oh my gosh Vera you are a life saver :)I am not very good when it comes to using all the word/excel products but I know a budget like yours will really help me become financially responsible. Who would have ever thought I would actually be excited about budgeting. This is truly I sign I am getting older lol. Have a great day 🙂

  5. Such a great way to start off the new year! It is inspiring me:) need to find an iPad app to track this! Would love to see how much money I could save by paying attention to expenses!

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