A Letter to A Friend With Money

My dear, dear Girlfriend,

You have been my good friend for eleven years. Time flies, doesn’t it? You are turning forty today. Happy Birthday!

Do you realize how much you have achieved? You have money. You have no debt. You have a big house, and you have a good and stable job. You can afford to go to exotic countries for your vacations. You are raising two kids all by yourself, and you are doing a great job.

How Not To Retire By 40 – Part II: An Ode To Emergency Fund

This post was included in Carnival of Personal Finance #299: The March Break Edition as one of  the Editor’s Picks!

Family History

I was raised by my mother and my grandmother. An emergency fund was non-existent in our family. I don’t think that growing up I even understood what it means. Neither my grandmother nor my mother discussed family financial matters with me. Even when I graduated from the University and got my first job, no one ever told me: save up Aloysa, spend less than you make, think about retirement.

Talk It Out: Run and Don’t Look Back

Welcome to Talk It Out. It finally arrived!

One of my readers wrote me a while ago, as soon as I introduced the Talk It Out column. I followed up with her to see if the situation she found herself in remained unchanged. Unfortunately for my reader nothing has changed. Fortunately for me, I can feature her in my first Talk It Out.

She chose to remain anonymous, so I had to change her name. I did put some of my remarks in italics. I just couldn’t help but say something before I even got a chance to discuss it!

How Not To Retire By 40 Part I: Things That Undo Us

The series of the following posts was inspired by one of my good friends and a great blogger Joe, the creator of Retireby40 , where he is chronicling his journey to retirement. Joe wrote a post How To Retire By 40 where he outlined and mapped his journey to an early retirement.

It is a very stimulating post and an exciting journey for those who stayed on track, who have mapped, saved, invested, planned from the early age. Those people already can visualize a nice bungalow somewhere warm and exotic. They close their eyes and see themselves raising their grandchildren. They stock up on travel books because they know they will travel the world. In other words, those people see the light at the end of the tunnel by age 35 or 40.

Not A Classy Exit Followed By A Better (Hopefully) Return

January was a rough month for Aloysa’s Kitchen Sink. So was the beginning of February. Hopefully from this moment forward it will be smoother sailing. One can only hope for it, right?

A lot of you asked me what happened, why I pulled the plug so unpredictably. A few of you asked me to come back! I do owe you some answers. At least, I feel that I do.

What happened

Using Technology to Cope With Emergencies

This post comes from the NerdWallet.com team of financial bloggers and experts in helping users compare rewards credit cards.

Life doesn’t always follow the simple plans you create, so in case life’s unforeseen circumstances emerge it’s always a good idea to have the right tools to help you deal with them. The following are some chaos scenarios, and corresponding fail-safes you can use to face each one.

Lesson From Bungy Jumping

This is a somewhat scary guest post for those who are afraid of height (like me!) by one of my favorite bloggers,Joe, from RetireBy40. He is a very brave man! Read on and find out why… If you ever thought about an early retirement, you must head over to Joe’s website where he is chronicling his journey to retirement by… 40.

See Joe jump here!

Introducing Talk It Out and Aloysa’s Reading Picks

Please make sure to check out my staff writer post at Beating Broke, What Our Chinese Guides Taught Us About Pragmatic Consumerism.

I came up with an idea for a new series TALK IT OUT: Money and Relationships. This series will be all about money, relationships and our lives.

Money can bless a relationship or curse it. Am I wrong? Let’s put it this way: money does affect relationships. Anyone disagrees? Is she a compulsive spender? Is he a frugal saver but she is a gold digger? I am sure you have plenty to say, so let’s talk it out!

How We Did Business The Mob Style

He screamed a lot if you made a mistake. He swore like a sailor. He threw things such as his cell phone at men (never at women, although I was sure he wanted to) when he thought they were stupid beyond his reasonable expectations. Over the years I learned how to duck quite vigorously to avoid flying cell phones, pens, staplers and such. He didn’t care what people thought about him. He knew that some of us were deadly afraid of him, and said to me once that fear, in his opinion, equals respect.

A Good Gym is Difficult to Find. Just Like a Good Man.

Please make sure to check out my staff writer post (it is going live this afternoon) at Beating Broke, Don’t Take Abuse. Know Your Rights.

I like to observe people in restaurants, movie theaters, malls and gyms. After some careful and, hopefully, not nosy staring at people at my gym, I figured that people go to work out for several reasons:

some want to lose weight;
some want to stay healthy and live longer;
some want to find a date.