December 21, 2011, 6:50 am

I’m Giving You $500! It Pays to be Bad!

by: The Financial Blogger    Category: Miscellaneous
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Hey People!


Haven’t you notice that most people become generous all of a sudden at Xmas time?


Maybe it’s because we feel fortunate and we know that some people are not.


And maybe we are simply brainwashed by the media who show a bunch of little orphans with nothing to eat on Xmas eve!


Well, regardless of the case, I’m giving $500 CASH for Xmas!


All right, I lied.


Yeah, yeah, I’m giving the $500 and the blog is hosting the giveaway but the money is not coming from me. It’s coming from my buddies at Life Insurance Finder, the easiest place to compare life insurance. They contacted me to host a giveaway where all you need to do is confess your financial sin for 2011 and you could win $500 in cash to repent in 2012! No catch, just cash ;-D


If you have followed this blog during the year, you know that I am pretty good at making money but I’m also a big sinner when it comes to pay down my debts! I think it’s obvious that I’ve been pretty bad at managing my budget this year and I count solely on my ability to increase my income instead of sitting down with a piece of paper and starting some calculations!


Now it’s your turn to tell me where you have been bad in 2011… and you can get paid to do it!


Here are the contest rules:


(1 entry): Confess your financial sins for 2011! Leave them in the comments below


(1 entry): TWEET about our Financial Redemption giveaway!  Just copy & send the following:
“I just entered to win $500 with @lifeinsurancef and @FinancialBlogr! Enter here:


(5 entries): Subscribe to my TFB newsletter: You’ll get exclusive info on how I run my online business and make money online:


(5 entries): follow @lifeinsurancef on Twitter


(10 entries): BLOG about this Giveaway!  Post up YOUR Financial Confessions List of 2011 on your site  – either in text, or in pictures  and then make sure to mention you’re trying to win “the $500 Financial Blogger competition, sponsored by Life Insurance Finder – the easiest place to compare life insurance” somewhere with both links & text fully included, then include the URL in the comments below.




EDIT: Contest runs until January 14th!

NOTE: the winner must have a paypal account (which is free anyway!)


By the way, I’m not getting anything from it… beside looking cool by sending money to my readers ;-D

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My worst financial sin in 2011 is not following my budget closely enough. I need to do better with budgeting in 2012.

I left a balance on a credit card…the shame!!!

I don’t track my spending!

I don’t balance my check book every month.

I drink too much beer.
Tweeted, got here via the newsletter so can’t really sign up again.
I won’t do the blog inclusion. If the sponsor wants to have a link on my site they will need to contact me directly (you’ve taught me too well TFB!).

I was too frugal to buy a gift on my wife’s b’day.

I keep money hidden from my husband.

MY financial sins would probably be that I spent too much the last half of the year, and that I dont have enough life insurance.

Buying those daily deals… and then letting them expire before I use them.

Too eager to make money investing, ended with some loss.

I skipped a RESP payment for the kids :-(

I probably went a little too crazy shopping for deals this year. Perhaps I’m guilty of a bit of lifestyle inflation as well.

I left my RRSP contributions in cash while the markets are too volatile instead of staying the course

Holding on to losing positions too long…in hope of a long shot rebound. One media company who shall remain nameless in particular. Happy Holidays everyone!

I’ve been spending roughly this year that I hardly calculate how much I spend! But I trust myself to correct that in 2012.

1) I bought a freakin motorcycle on a impatient whim! The plan was to take my time, get my license, do my safety course, buy in the off season……I sat on it, smiled, and walked out in debt (after just getting 100% out of debt 4 months earlier) but I still had the smile :)

2) My investor put all of my TFSA in to 3 stocks and I didn’t say anything…. now i am down, down down…. why individual stocks in this market? I am studying to do my own investing. (or TFB do you do fee-only advise? 😛 )

3) Too small of an emergency fund. I have enough to cover both my auto deductables plus a little for repairs but that’s it!

4) This relates to your sponsor but I barely compared insurance companies for the motorcycle. I called only one other place then just went with the same one my friends motorcycle is with. *face palm*

See why I read personal finance blogs? hah.

Would have to be using the credit card a wee bit too much this past year (she’s paid off though) :)

I haven’t paid enough attention to asset allocation — I have let my portfolio get really overweighted in specific areas — need to rebalance.

What emergency fund? Don’t have one now. Shame on me!

by: Daniel Potwin | December 21st, 2011 (8:32 am)

I refinanced my wife’s vehicle through a different bank to get a lower interest rate and therefore, lower payments. This reduced our monthly payments by $75 because our credit was so good. I then proceded to trade in my truck and and got a smaller car because of gas prices, but in the end, I was in the hole by $3,000 from what I owed on the truck still. That $75 a month was now going to my new car along with about $25 a month extra.

I bought an iPad although I don’t really need one. I have 3 computers at home already.

by: Lavonne Yates | December 21st, 2011 (8:50 am)

My finanitial sin is not having enough finance. I feel like I am letting my kids down because I am a stay at home mom. This time of year is always hard trying to keep up with things. Sometimes I put off getting things like toilet paper something important so I can take them out to eat at least once. a week.

I have been postponing doing our retirement plan – should have done it this fall but always found an excuse to not put the nose to the grind and assemble the information and move forward. Must really discipline myself to set aside the time and make a plan.

I don’t always pay myself first by making my savings and retirement contributions every month

My main financial sin for 2011 was to take a loan against my 401(k). I know, verboten territory. But it was a one-year term, and the interest rate is lower than I could’ve gotten anywhere else… and yea, it looks like I’m still trying to justify it to myself. :-)

My main problem in 2011, was I was so focused on building up my retirement account that I didn’t put enough away into liquid savings. Now, in December I found out that I am pregnant, and I don’t have a safety net. So if I take the money out of my retirement account, I will get hit with a hugh tax penality.

i still haven’t done a budget, like I planned! And I just bought a house with my husband, but we did not necessarily decrease our expenses…

Our biggest financial sin is that despite having a budget with set spending in all our categories, we kind of “winged it” for much of the year and didn’t follow it as closely as we should have. Luckily we’re not real big spenders anyway, so it didn’t result in a ton of problems..

I keep buying BAC and it keeps going down.

I contributed to TFSA in Questrade but did not do any investment in stock just sitting in cash not making any interest for 2011.

I am guilty of leaving a Credit Card balance, as well as not reaching my target portfolio goal… ah, well… a New Year is almost here !!!

Tweeted this contest, as well.

Thanks !

I have contributed less than a couple hundred bucks to my boy’s 529! I even get a state income tax deduction and I STILL DIDN’T DO ENOUGH!

Tweeted, and get the mailing

I didn’t do enough research into the dividend stocks I bought in my TFSA. I basically was lazy and listened to other people’s picks and went with them. All high dividend payers though so it’s working out so far. But lazy.

Hmm, maybe more like financial waste. Spent $315 on shoes and got a $145 massage yesterday instead of the normal $150 and $70 just because!

I have a budget planned out, used it for only 2 weeks and still buying things that I know I don’t own.

Procrastination is on my shoulders everyday, hopefully this extra $500 will help me pay off some debt.

My main financial sins are both not creating a budget and unfortunately still frivolously spending money foolishly. :(

I chose a stock based on friend’s recommendation and not on fundamentals!!

I spent too much money this year filling up our new house with crap!

Tweeted, and subscribed already.

I stopped tracking my spending!! And I am now carrying a balance on my MBNA Smart Cash card… no interest because I clear it every month, but still not a good thing!

My financial sin for 2011 was impatience. I was too quick with the trigger on my trades!

I didn’t max out my RRSA or TFSA

I didn’t pay extra on my mortgage even though I planned to do it.

I am an email subscriber.

I bought stupid stuff for my kids! Consumerism got the best of me.

My 2011 sin was keeping cash in my tfsa while markets provided some buying opportunity

I took cash out of my web store for household expenses and I haven’t paid the business back.

I increased my margin.

Indulged (REALLY indulged) in frivolous shopping binges, buying things I don’t need and sometimes don’t even want! Bad, bad, bad….

I am with James. We weren’t as good at following our budget as we could have been although we have definitely cleaned up our act the last couple months. Hopefully we are better at sticking to it next year. I think finding what works take a few trials.

I consistently went over my budget in a lot of areas and let myself off the hook, even though I knew better!

Chasing after high yield stocks without investigating why they are high yield. Then the yield gets cut and the share price tanks. Lose – Lose.

I bought a new car when I don’t really have to.

I got greedy with materialistic items (phones, cameras, computers, etc.). On that note, when are you going to announce the winner of your iPad 2 giveaway!?! :-)

I sold my cottage and bought a “Harley”. Invested the rest in mutual funds.

Kept almost all cash waiting for the market to bottom. This year we will be deploying naked puts to get paid for knowing our buying floor.

I spent way too much on a dining room table. But it’ll be with us for the rest of our lives so it’s not a mortal sin right? Right? Anyone?

I studied abroad in Europe this semester and ended up spending my entire life savings. Time to start over.

I studied abroad in Europe this semester and ended up spending my entire life savings. Time to start over.

I know I should change over my RRSP from mutual funds to ETF, but I haven’t yet….because I have just been lazy about it.

I just paid a fortune for ski lessons, so, that is my sin. 😉 Already subscribed to the newsletter and I will tweet and link to in the next roundup!

I didn’t put any savings into my TFSA this year, but my excuse was that I had my 2nd baby.

by: Anne Miller | December 21st, 2011 (12:09 pm)

I loaned $2500 to a relative who already owed me a substantial amount of money, on the proposition that this piece of equipment would help him make oodles and he would pay me back forthwith. Ha!

My worst financial sin in 2011 was moving into an apartment I couldn’t afford! I lost SO much money on that place…but I’ve moved, budgeted, and improved since then!

I subbed to the newsletter!

I tweeted too :-)

I confess, I pretty much drained my emergency savings.

by: Jeff Delion | December 21st, 2011 (12:29 pm)

I paid for a vacation on my credit card and left the balance on my credit card!

Oh gosh, which sin to choose from? Was it overspending on groceries the past few months? Was it splurging on a playbook because it was such a good deal? Was it ignoring the budget while doing my christmas shopping?

Maybe all of the above lol

I already subscribe via email :)

by: The Financial Blogger | December 21st, 2011 (1:28 pm)


it’s up to you if you want to leave some entries on the table. I don’t teach you to be greedy young Padawan 😉 hahaha!


I’ve mentioned it a week ago; it’s Dick Bissett



by: José Pablo | December 21st, 2011 (1:29 pm)

I got some euros from an uncle, used it as a back-up reserve. Used some of it to buy a cell-phone.
Then I’ll be using the rest to start an investment account for my parents.
Where’s the sin in that?
I LIED saying it all is coming from my income, depleting the reserve, and happily buying “quick cash making software” on a new Credit Card. :( 2012 is going to be a debt-paying year. Should I pay it off?, sinceit’s a year from the end of the world? jaja, better not take my chances.
Happy Holidays!

I’m guilty of coveting my neighbours and going in debt to have a gucci house.

I went over budget for Christmas. By about double. :(

Followed on twitter @hotwls13

I Subscribe to your TFB newsletter

I dont have an emergency savings or any savings for that matter.

I haven’t even made a budget yet.

My biggest sin last year was spending $100s on Starbucks! I tweeted, and I subscribe to your newsletter!

Biggest financial sin – bought Yellow Pages stock – my wife & friends kept telling me sell, sell , sell but I had lot of hopes on this stock and now I am in deep loss…….

I hung on to yellow media too long. I did get out at around $4.40 so I guess it could have been worse.

Started late in life with my retirement savings (401K)….

I didn’t learn anything about dividends or how stocks work, so only earned regular savings interest on all my cash. What a waste!

I tweeted, followed and signed up! Thanks and happy Christmas.

Went over budget in my clothing category several months this year.

Subscribed to the TFB newsletter and following @lifeinsurancef on Twitter.

I end up over budget too regularly from month to month and it impacts savings :(

I am subscribed.

biggest financial sin: lending money to family and friends

Racked up the line of credit – fortunately the year end bonus cleared that slate, but the cash would have better served me by paying down the mortgage!

I opened an IRA in January, but neglected to contribute to it for months. When I checked up on it, Charles Schwab had closed the account!

by: Matt Tucker | December 21st, 2011 (6:18 pm)

I did not contribute to my RRSP this year. Oh the horror!!

Sin? This year I dubbed the year of suffering because I actually sucked it up and paid off 17 thousand dollars worth of debt. I guess the real “sin” was that I was too stupid to do it earlier.

I spent way too much money going out to celebrate on weekends :/

I’ve overspent this year on buying websites and not following through and developing them.

Did not fire my financial adviser soon enough

I buy way too many Groupon deals — for things I’d normally never purchase — just because its a “good deal.”

I subscribe to your newsletter (5 entries, please!), I follow @lifeinsurancef (another 5!), I Tweeted the giveaway (1 entry) and I left a sin-confessing comment above (1 entry), for a total of … 12 entries! Wahoo! :-)

by: Daniel Johnson | December 21st, 2011 (9:03 pm)

Should’ve went with a prepaid cellular plan instead of going with Sprint.

Not investing enough in my 403b! Will be correcting that this year!

I bought stocks that didn’t follow my financial plan and got burnt doing so. Hopefully I learn from this mistake

by: Steeltoed Stiletto | December 21st, 2011 (10:31 pm)

Kept trying to time the market when converting funds from financial planner.
As a result lost out on growth, dividends. No more procrastination. Also
Have not yet rebalanced my daughters RESP.
Merry Christmas and a Prosperous New Year to all.

My biggest financial sin for 2011 was that I stopped keeping up with my budget for 2 months towards the middle of the year…it’s hard to notice lifestyle inflation when you aren’t keeping track of your spending…

I procrastinated throughout the year on important financial issues. Hopefully the new year will change that!

I bought two plane tickets on credit card!! Bad girl.

Awesome contest TFB and I am enjoying the confessions!

I tweeted and I am already a subscriber and I will be blogging about this on Friday.

I meant to aggressively pay down our mortgage once we got tenants, but right now we’re only adding an extra $200 a month.

I also stopped tracking my expenses 3 months ago! :)

Oh and I also followed LifeinsuranceF on twitter :)

My financial sin this year is not contributing anything to my retirement funds since I’ve been traveling. That needs to change next year!
I tweeted and followed! Thanks for the giveaway!

I put the rent for my business on my credit card…a few times.

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ha – encouraging balanced budgets and not keeping one. that’s got to be a decade-long sin, not just 2011. of course i have my reasons but nonetheless it still makes it a “sin”.

In November, my husband and I moved out of our 2bdrm apt to rent a 4bdrm house where we pay for heat and water. IT’S JUST THE TWO OF US! NO KIDS, NO ANIMALS, 4BEDROOMS.
I’m ’bout to slap myself.

did not save enough for my RRSP (IMHO)…will try to make it up in Jan/Feb

My sin was putting to much of my portfolio into one stock – Yellow Media

i spent a lot of money on snacks everyday which i probably didnt need to get but i just wanted…the bill racks up everyday!

Damn, where do I begin?

1) I drink too much red wine when I write my blogposts :)

2) I love potato chips too much.

3) I want to buy a big screen TV instead of finishing off our LOC in January 2012.

4) Instead of drinking less, I got my wife hooked on Scotch this fall through some LCBO tasting events.

5) I’ve done almost everything I can to get the mutual fund industry to hate me; mutual funds are for suckers :)

Is that a good enough start?!

Great contest buddy,

I spent $100 on clothes at NY & Co. when I really should have saved the money. :) This $500 could help me erase that financial sin. LOL

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I bought a stock that did not have a dividend!

I took out a loan against my 401k and didn’t even use it to pay down my credit card like I had planned.

I think I did pretty good this year HOWEVER my biggest financial sin was not getting rid of my overdraft and continuing to rely on it for “emergency” expenses. My plan in 2012 is to get rid of the temptation to use it for good!

I spent too much on cheap jewellery that I didn’t need.

My sin was that I started buying stocks too late in life.

We used our credit card too much…and for the first time in forever we’re not paying off the whole balance each month….argh

I did not save as much as I wanted to :(

I put my tax return on my credit card and then racked up my credit card again.

Hey TFB,

I would definitely say my dumbest mistake was taking out an RRSP loan in the summer! Duh! What I should have done was waited until Jan or Feb so I would have less months to pay the loan… that and a credit card balance (albiet at 2%) – and it will be paid off soon, but its still credit card debt. LOL live and learn!

Subscribed to ur newsletter again, did the tweet and followed :) Will include this post on my newsletter tonight or the weekly lineup next week for sure! :)

Cheers and Merry-Xmas man! and thanx again for the opportunity 😉

The Dividend Ninja

Booking airline tickets and not paying attention to the date. I arrived at the airport to learn my reservation was how two weeks later… $300 extra later I got on the right flight. Pay attention to details or it will cost you

Financial sin was too much trading and not enough investing!

My financial sin on 2011 was overspending on Christmas!!

I basically spent all of 2011, spending. Didn’t work or take contracts and I just chipped away at savings. I am feeling awfully guilty right about now…..!!!

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My financial sin of 2011 is overdosing on shopping for things that I DON’T NEED!! I really need to stop that that! But working in midtown manhattan right smack in the middle of all of my favorite stores its really hard not to shop. But for 2012 all that will change. No unnecessary shopping! I’m getting married next year and need to save, save, save! :)

I subscribe to TFB newsletter
kfloveinme at gmail dot com

I follow lifeinsurancef on Twitter @mskenyaf

I chickened out on opening an online brokerage account and instead just parked some of my savings in a GIC.

My biggest financial sin of 2011 was failing to know what my goals were! I didn’t get my budget under control until halfway through the year, and I splurged on some big ticket items that I wouldn’t buy now that I’m saving up for a downpayment.

Followed on twitter, tweeted about giveaway, and subscribed to newsletter.

I wouldn’t let my dear husband buy a new tool, but then I went to an estate auction about bought an original painting of my favorite artist for $ 1000…..terrible I know!

My financial sin is spending money on things that are not necessary. I buy too many magazines and accessories!

my biggest financial sin – keeping a balance on my credit cards!!! no more in 2012!!!!

I went to sell all my shares of Yellow Media (YLO) at a lost and clicked BUY instead. So I now had double the amount of shares. I immediately sold them like in 10 minutes, or I would of likely got a MARGIN call was my account was already in the red. Basically, I lost money more than I should with a $388 capital loss.

My financial sin is paying too much for lunch! I’ve been too lazy all year to pack a lunch and have continually paid $2 for my lunch every day at my work cafeteria, knowing full well that a packed lunch is almost always less than that. So my resolution for 2012 is to pack my lunch every day!

My biggest financial sin in 2011 has been leaving substantial sums of money in my trading account where it earns no interest while waiting to purchase stocks (I keep missing the TSE down cycles).

Entered an agreement, and didn’t write it down, didn’t sign a contract stating what both parties were responsible for and now one won’t live by the orginal statements. Lesson learned.

by: christine | January 1st, 2012 (2:02 am)

I don’t have a budget and eat out at restaurants waaaaay too often!

The volatility in the markets in 2011 made me far too impatient. I bought and sold far too quickly and made more trades than I should have.

I opened an on-line brokerage account and made every mistake in the book: traded too much, traded on emotion, bought high, sold low,… But I learned a lot and I will be more disciplined in 2012!

by: Margaret Smith | January 6th, 2012 (6:05 pm)

My financial sins for 2011 was that my family and I were going out way too often and then having to pay down those bills. We’ve made a promise to each other to go out less often or think of more creative, less expensive ways to be entertained and to pay down the debt we’ve created.

by: Margaret Smith | January 6th, 2012 (6:07 pm)
by: Adrienne gordon | January 6th, 2012 (6:58 pm)

I loaned $1000 to my brother.

I wasted money on lottery tickets

abfantom at yahoo dot com

I spent too much money on ‘deals’ shopping online. Those ‘deals’ were mostly things I didn’t really need but were such good prices I got them anyhow. Had I not, I would have saved more money.

kport207 at gmail dot com

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I did not save enough in 2011.

I signed up for our news letter

I follow you on twitter

by: Joanne Schultz | January 6th, 2012 (9:23 pm)

shhh, don’t tell! I’m unemployed, but still buy Powerball and Megamillions tickets! Yeah, I know that I am throwing my money away, but still, someone has to win and I would sure not like to miss out on my chance!
Thanks for the giveaway!

by: Joanne Schultz | January 6th, 2012 (9:24 pm)
by: Joanne Schultz | January 6th, 2012 (9:25 pm)

i follow @lifeinsurancefon twitter – js22222222 .

by: barbara wright | January 6th, 2012 (10:49 pm)

I’ve been ignoring my budget lately. Food prices have gotten so high that it’s easier to just buy things than look at the prices and think about how much it would have cost a few months ago.

by: barbara wright | January 6th, 2012 (10:58 pm)
by: barbara wright | January 6th, 2012 (10:59 pm)

I follow @lifeinsurancef on Twitter – bsw529

I don’t stick to my budgets :(


by: Lindsey M | January 7th, 2012 (1:21 am)

Not trying to save enough

by: Thomas Gibson | January 7th, 2012 (1:22 am)

My biggest financial blunder was co-signing on a personal loan for someone I shouldn’t have. He can’t keep a job!!

by: Thomas Gibson | January 7th, 2012 (1:24 am)

My boyfriend and I took a trip to Vegas instead of paying rent. Took a while to catch up again.

by: T. Lawson | January 7th, 2012 (7:17 am)

Yes, Christmas time is a budget buster here as well. I am very good year round for the most part but at Christmas, despite my best efforts, we end up with larger bills than we would like. I think my biggest blunder is using credit cards instead of cash.

by: Cynthia C | January 7th, 2012 (7:41 am)

I never balance my checkbook.

by: annette campbell | January 7th, 2012 (9:49 am)

I wanted my husband to have a new truck so bad we bought it even though we knew we couln’t afford it. Now we’re struggling

by: annette campbell | January 7th, 2012 (9:50 am)

subscribe to your email newsletter
Five entries

We welcomed our 3rd baby and started her college fund. However, I was so busy, I neglected my portfolio, didn’t rebalance or add to my contribution level.

email subscriber

(um… do you need me to enter 5 comments to show the 5 entries or do you track this in some other way?)

I haven’t been keeping track of my spending

I spend more than I have :(

by: Susan Smith | January 7th, 2012 (12:51 pm)

We spent some of our emergency fund on Christmas gifts because we didn’t save enough for Christmas

by: Susan Smith | January 7th, 2012 (12:51 pm)
by: Susan Smith | January 7th, 2012 (12:52 pm)

I follow lifeinsurancef on Twitter susan1215

subscribed to email (with listed email)

following lifeinsurancef

by: Susan Smith | January 7th, 2012 (12:54 pm)

email subscriber

My worst financial sin is getting carried away at Christmas and no knowing when to stop. Then I get stuck paying for Christmas until summer of the following year.

I tweeted -MsAngelasFinds!/MsAngelasFinds/status/155720672713248769
Angela Michels
lilsweeper76 at yahoo dot com

I subscribed to emails.

I followed you on twitter -MsAngelasFinds

My financial sin is that I’m making $5/hr for 105 hours a week. I’d like to die now.

by: laurie damrose | January 7th, 2012 (2:16 pm)

My financial sin is that I wait almost too long to reconcile outstanding debts that could change my credit score for the future,but I have been working on them for almost a year and one is close to being paid off!

by: Laura Sloan | January 7th, 2012 (2:18 pm)

My biggest financial sin in 2011 was not putting the max into my 401k.

by: Laura Sloan | January 7th, 2012 (2:19 pm)

I have to say my 2011 was not sinful in the least bit. I cut our spending, got out of debt, brought in extra income, built a sizable efund and was good at Christmas. I know I suck. Okay I’ll pick one so as to not get disqualified. I didn’t invest. That’s actually a good one.

by: Jeffery Ewald | January 7th, 2012 (4:02 pm)

I failed to create a budget for each month, I spent way, way too much during the holiday’s, and purchased too many personal item’s (new computer, new tablet computer, new smartphone, etc..), which I could have easily waited and saved to purchase them by including them in a budget, had I created a budget in the first place. :(

by: mickeyfan | January 7th, 2012 (4:35 pm)

My sin is not new (for me), but I haven’t kept a check register since 1982. My excuse is that I work at a bank!

by: Alison Flores | January 7th, 2012 (5:36 pm)

My biggest sin is not being wiser with my money when there is plenty, so that there will still be plenty during the slower months.

by: Alison Flores | January 7th, 2012 (5:37 pm)
by: Patricia Treskovich | January 7th, 2012 (5:40 pm)

my finincial sin is buying too many clothes

Where to start?! I made several high-end purchases using credit cards that I’m still not close to paying off, I made the minimum payment on my credit card at least three times, I borrowed money from my savings to pay for gifts during the holidays, and I didn’t once try to balance my checkbook in 2011. It feels good to get that off my chest!

by: D.Kennedy | January 7th, 2012 (6:28 pm)

I didn’t contribute to my kids RESP in 2011

My biggest financial sin is not having a budget. I also have a tendancy to not pay my utility bills on top, which in turn racks up late fees on me. The saddest part is that I have the money to pay the utilities, I just kind of put them to the side to pay later and then completely forget about them.

I follow @lifeinsurancef on twitter as @ThriftySassyMam

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by: Suzanne K | January 7th, 2012 (7:22 pm)

I didn’t make my ROTH IRA contribution for 2011 until Dec (usually do it in Jan) and didn’t agressively move my savings to the best rate all the time… the shame!

I totally blew my budget 7 months out of 12. Better this year, for sure!

The biggest sin was not sticking to a budget 100%!

My worst financial sin in 2011 is not creating a budget and spending to much on credit cards.

For years I have always paid off credit cards completely every month. In 2011, I forgot about a bill and got slapped with a late penalty and interest. Don’t ever want to do that again.

I bought a couple of item without the usual careful research I do, and they were faulty and in one case too difficult to return.

by: Sarah Hirsch | January 8th, 2012 (1:07 pm)

My biggest financial sin is believing that an item on super-clearance is automatically a great deal, even when I have absolutely no use for the object!

by: Sarah Hirsch | January 8th, 2012 (1:08 pm)
by: Crystal F | January 8th, 2012 (1:10 pm)

I did not pay off any of my credit card debt last year.

by: Carol Bryant | January 8th, 2012 (2:20 pm)

I did not stay on budget and now have a huge property tax bill to deal with.

not paying off my debts was my biggest problem

by: claudia davis | January 8th, 2012 (3:21 pm)

My biggest financial sin of 2011 is not refinancing my mortgage when I was able to in early 2011. The rates were so low. I was hoping they would get lower. I also was lazy. I admit it. There was just so much paperwork involved!

I then got ill, lost my job and was unable to refinance without a job. Now, I am stuck with my old finance rate which is quite high compared to rates now.

As a result, I needed to take out money from my 401K to pay my mortgage in 2011 (I swore I would never do this)! Add insult to injury but I did not prepay the penalty taxes when I removed the monies from my 401K.

As a result, I am going to be hit with a HUGE tax bill this year along with having my huge mortgage rate that could have been easily reduced in the beginning of the year (b=negating the need to touch my 401K)!

by: claudia davis | January 8th, 2012 (3:38 pm)

Trying again to post the link to my blog for 10 entries:

I could do a better job of saving. Other than RRSPs (which are in pretty healthy shape) we don’t really save.

I didn’t stick to my Christmas budget and now have credit card debt.

by: Kyl Neusch | January 8th, 2012 (6:10 pm)

bought too many items for the holidays

by: Katharine D | January 8th, 2012 (7:07 pm)

I didn’t keep track of all my donations and also built up some credit card debt :(

I did not save ANY money in 2011. In fact, on numerous occasions I ended up scrounging for change for gas to get to and from work. Sigh. I’ll never be able to retire and I’ll end up eating cat food (when I can find it) and living in a cardboard box.

by: Alessandra Andy | January 8th, 2012 (9:18 pm)

overspending on credit cards

I spent a lot of money trying out laser hair removal in 2011. I did three sessions and it didn’t really work for me :( That was a lot of money down the drain!

My financial sin for 2011, I got sick, stopped working, due to being self employed there was never enough money to buy myself some insurance if I ever got sick (always thinking positive) now I’m getting deeper and deeper in debt every month and this isn’t helping my health any.

Too much travelling this year — that is how I have been financially bad! I should have put away more savings.

My financial sin of 2011 was spending too much on eating out almost everyday. This yr I will prepare my own lunches and dinners.

taking out way to much student loan money!
Happy New Year! Thanks! Janna Johnson janna@feedyourpig on gfc

My biggest sin for 2011… I gave a friend a substantial amount of money as they were in trouble. Now we aren’t friends. ‘Nuff said.

by: Stephanie Showalter | January 9th, 2012 (12:57 am)

I only pay the min on some of my credit cards

by: lilly nguyen | January 9th, 2012 (11:20 am)

i never budget! i just spend without thinking

My biggest financial sin is eating out too much and therefore hurting my ability to get out of debt. I do pay cash to eat out, but that’s money I should be sending to credit card companies instead!

My sin is charging too much on credit cards.
holliister at gmail dot com

I justify impulse item purchases by saying that I’ll use the money from this gift, but then I don’t keep track and use it for multiple items…

I spent money on Christmas for my kids that I should have used to pay bills. Things are backing up.

by: Steven Blaser | January 9th, 2012 (7:50 pm)

I borrowed money to gamble with.

My financial sin for 2011 was not paying off nearly enough of my student loans!

by: tamatha hunter | January 9th, 2012 (8:30 pm)

I got laid off this past summer so our credit card bills have gotten higher & higher. hopefully 2012 will change that

I spent way too much on Etsy this year. Oops.

loaning money to someone, I knew in my heart I would never see it..never loan money- you willnever see it, even if the person says tryst me

I got a girlfriend…very expensive.

by: Mary Calabrese | January 9th, 2012 (9:41 pm)

My worst sin was anticipating a Christmas gift that didn’t fully materialize. Oh, well.

by: Tia Beverly | January 9th, 2012 (9:42 pm)

eating out waaaay too much

I went to Europe for work and ended up spending a lot of money on souvenirs and gifts for my family. Messed up my bill paying schedule.

by: Brenda Gaines | January 9th, 2012 (10:58 pm)

bought a bunch of things i didn’t need but wanted

by: Nicole Vosburgh | January 9th, 2012 (11:07 pm)

We took out a loan for my husband’s schooling which we probably didn’t need to do.

by: Sara Maurer | January 10th, 2012 (12:05 am)

I temporarily moved to another country without checking the conversion rate! Lost a bunch of money that way, but now I’m back in the US of A! :)

by: Stacey Bicovny | January 10th, 2012 (1:18 am)

I didnt pay any of my medical bills from when I was in the hospital to have my son. Im always good about paying bills. Not that time.

I had a week off in October, and somehow forgot to pay the October rent. Thinking it was paid I spent the rent money. The landlord relized it two days before Christmas, so Now in January I owe two months rent.

Overspending without a guaranteed income to cover my excess expenses.

by: jose benavides | January 10th, 2012 (4:32 am)

I opened a credit card cause I was short on bills and got in debt and wasn’t able to pay it :(

I don’t always keep track of the expiration dates on my coupons!

My financial sin for 2011 was being disorganized and failing to pay some bills on time leading to interest payments

I made an investment purchase and then had to resell immediately and lost almost a third of my money… bad idea

I spend too much money on sweets and makeup.

I buy a $5 coffee at least twice a week. Sorry!

Haven’t been paying my credit card balance in full.

by: Sandy Brown | January 10th, 2012 (2:37 pm)

I got a credit card so that I could buy myself some clothes and now all I pay is the minimum due.

Actually, we don’t have anything bad. In 2011, we stopped using credit cards and started paying down any debt. Things have gotten much better for us.

I used a beach trip with my Fiance’s family as an excuse to go on a shopping spree.

I hide money from my wife so that we have something saved in case of an emergency.

Due to my husband’s long-term layoff, I didn’t have enough money to commit any financial sins last year. It was hard enough trying to control my husband’s spending and just get by.

my biggest finalcial sin is, i crashed my car an dit costed me $5000. Atleast this year i should cover my expenses!!!!!

I don’t save money. If I have it, I spend it.

Went into debt over the holidays even though we said we wouldn’t.

by: Douglas Houston | January 10th, 2012 (5:01 pm)

I spent too much on lotto tickets

I am in debt due to surgery on my dog.

I had to buy everyone’s Christmas gifts on credit cards.

My financial sin is not creating a budget.

by: Sunshine's Fashion | January 10th, 2012 (7:02 pm)

Ive buyed too much!
subribed the news letter!

by: melina pothier | January 10th, 2012 (7:08 pm)

My financial sin for 2011….I got a loan from Discover to pay off debt and then used $500 of it on a whim to buy myself a new wardrobe!

I didn’t keep track of my spending

by: Jaclyn Reynolds | January 10th, 2012 (9:25 pm)

Carrying alot of credit card debt and not being aware of the total debt.

by: Jaclyn Reynolds | January 10th, 2012 (9:26 pm)

Subscribed to your newsletter!

I bought myself a Nintendo DS, despite the fact that I still have a lot to pay on my student loan.

at the very end of the year, I caved and put almost $4K on my credit card after having it all paid off for almost a year.

by: Michelle Fosnaugh | January 10th, 2012 (11:20 pm)

What didnt I do in 2011?

I stopped my 401K because we were hurting a bit and needed the extra money. I have since started back up.

We drained our emergency savings slowly throughout the year

We used the credit cards a bit too much for Christmas…wanted to pay cash for everything but as you see above we burned through savings LOL

I bought a bunch of stuff I didn’t need but really, really wanted!

by: Michelle Hall | January 11th, 2012 (7:27 am)

I used a high interest credit card and didn’t pay it off right away

My worst financial sin this past year has been to (again) bail my daughter’s family out of some of their financial problems. Doesn’t keep them totally solvent and really impacts my savings!

by: Michelle Hall | January 11th, 2012 (7:30 am)
by: linda lansford | January 11th, 2012 (9:34 am)

I bought a car I could not afford

My worst financial sin is spending the same money twice. I will use my credit card to buy something for someone. They give me the cash and instead of paying the credit card I just use the cash. It defeats the purpose of even getting paid back for the original purchase. I have to stop doing that!

My biggest sin is that I use pay advance centers WAY too much and now I am constantly in the hole…my tax return is my saving grace to get me out of this horrible cycle!

I bought another car that I don’t need

I upgraded my cell phone and started a new phone contract, even though we don’t have enough money to contribute to savings.

I spent far too much money on an untenable situation.

I spent too much on meaningless material things………….I plan to be more frugal:)

jmatek AT wi DOT rr DOT com

I always write up a budget and NEVER follow it. I spend it and then have buyers remorse. lol

misteedawnw at aol .com

email subscriber – misteedawnw at
followed them on twitter – @misteedawnw
tweeted here –!/misteedawnw/status/157184353909211136

misteedawnw at

I spent too much money on shoes in 2011!

by: Angela Watson | January 11th, 2012 (3:25 pm)

I skipped a month on a couple of bills.

Not saving for Christmas and putting it on the credit card… working hard to repent for that sin now. Ugh.

Not saving Spending too much.

i confess i did not put money insaving like i should in 2011 -2012-whatever is left over at the end of the month into the savings

I opened a credit card. Gahhh

by: Laura A. Adams | January 11th, 2012 (4:30 pm)

I never balance my check book and I carry a balance on 2 credit cards.

Dam Santa robbed me again!!! at least the kids are happy…..

by: Terry-Anne | January 11th, 2012 (4:56 pm)

Discovering paypal and buying online from overseas

Tend to impulse buy when I have cash in my pocket!

by: Stacey Bicovny | January 11th, 2012 (5:25 pm)

My financial spin is letting my husband have the debit card. No lie. Our finances would be perfect every month if he didn’t SPLURGE spend ALL the time!

by: Stacey Bicovny | January 11th, 2012 (5:25 pm)
by: Stacey Bicovny | January 11th, 2012 (5:26 pm)

Following @lifeinsurancef as @StaceyRenee711

not knowing how to balance my check book

I had a negative $500 on my account from overspending!

We’ve had 2 really bad years financially. I wouldn’t call what happened to us a sin though. Sometimes life hands you things that are very hard to deal with, and you aren’t given any choices. I am looking forward to 2012 being a new year, with a financial turn around for us. And many good things!

My finincial sin was spending between $150-$250 a month on smoking for my husband and I. Yikes!

I planned to get rid of my credit cards but ended up with more than when I started!

2011 was not my premiere financial year. In fact I can sum it all up in three words.
Credit Card Debt
It will follow me for a long long long time.

Buy way too much starbucks.

Tweeted and followed.!/Katesgiveaway/status/157306170720264192

by: Charisse S. | January 11th, 2012 (10:48 pm)

my financial sin was too much shopping not enough saving.

My biggest sin of 2011 – applying for a credit card in my husband’s name, so I could get Botox. *eeek!* I look great! ;o)

by: Angela Winesburg | January 12th, 2012 (1:13 am)

I bought a bunch of designer clothes that I didnt need!

by: Christine C. | January 12th, 2012 (5:13 am)

My financial sin is not refinancing my house to a lower interest rate last year.

I wish I could stop reading about the “specials”. Man what a temptation!!! I really overspent on my budget in 2011. I will however be GOOD this year. HaHaHa.


by: Karl Maverick Ragas | January 12th, 2012 (7:28 am)

I’m a student and thus I still don’t have a stable source of income but I get a monthly allowance of about $500 which is about 2000-21,000 in Filipino Peso,which is I say is quite more than enough for an average student but then I got addicted to this online video game and I applied for a Debit Card to transact online in order to continue my subscription to the game which is really really a bad choice.I spent hundreds then thousands of peso because of the easy access of these online payment systems(how ironic because the price will be given through^^) in order to fuel my gaming addiction…had a hard time “budgeting” my now limited allowance to other important needs like books.
Yeah…this story isn’t much to tell but I promised myself since I realized that Paypal comes great responsibility that I will start on managing my allowance responsibly and stop spending on things which I can manage without.:)

by: Karl Maverick Ragas | January 12th, 2012 (8:05 am)

I’m a student and I got hooked to this online video game and I applied for a Debit Card to transact online to continue my subscription to the game. I spent a lot of money due to the easy access of these online payment systems to fuel my gaming addiction. Result: Low Grades and No Money. I promised to be responsible since then.

by: Emory Brooks | January 12th, 2012 (9:12 am)

My main sin was not sticking to my budget, my wife and I have had several foster children in 2011 and have really put a killing on my credit card balances. I plan on keeping on budget 2012 and hopefully bringing it back around!

My sin was to forget to pay my credit card bill on time and get hit with a late fee and interest charged. Ick.

I go out with my friends too much. Thanks for the giveaway.

My worst financial sin of 2011 was not balancing my checking account faithfully, which resulted in the balance being different from what the bank statement says.

by: Sonia Goliath | January 12th, 2012 (9:33 am)

I have been more generous than Father Christmas, unfortunately unlike him I don’t have any elves that makes the gifts for free.

I didn’t keep track of my spending well enough… I’m pretty sure I went over budget, but there’s no way to tell! :(

by: Debbie Cahoon | January 12th, 2012 (11:15 am)

I’m afraid that I spent so much at Christmas time that it’s going to take 4 years to catch up

by: Wendy Boudreau | January 12th, 2012 (11:18 am)

OMG, where do I START! I have SO many financial sins lol. My BIGGEST problem is that I just CAN’T walk away from a great deal…even if I don’t really NEED that item! I pride myself on saving a lot of $ using coupons and finding deals but I do tend to go overboard sometimes! Like Stompin’ Tom sang “Save alot of money spending money you don’t got…” (so true). I am also an “impulse” buyer, not a good thing! I have a monthly budget which I fill out at the beginning of each month but I ALWAYS end up spending more…aarrrgg! Using my credit cards are also a big sin of mine, I REALLY gotta stop doing that. Thanks for this opportunity to win $ for my Paypal, I would LOVE to order a new perfume I discovered but it’s too expensive for me (I hardly ever buy myself anything, ESPECIALLY something extravagant like expensive perfume!

I bought lottery tickets far more often than I should have.


by: susan varney | January 12th, 2012 (11:58 am)

i’m an impulse shopper i can’t help it

I follow you via Twitter as FotoMacro.-1-

I follow you via Twitter as FotoMacro.-2-

I follow you via Twitter as FotoMacro.-3-

I follow you via Twitter as FotoMacro.-4-

I follow you via Twitter as FotoMacro.-5-

I guess my biggest financial sin last year is being swayed too much into sale and discounted items (especially online) that I end up: 1) paying more than what I intended to because of “upgrades” and such; 2) paying relatively the same amount when the “before” price of an item on sale is actually padded (and I only realize this AFTER I have bought the item); and 3) accumulating a ton of items that, in hindsight, I actually don’t need. Yeah I know…sorry. Lesson learned though.

i dont think i have any sins to confess too , i have no $ loot to begin with lol :)

still owe on my cc, which is going to make it more difficult to pay current bills

My main financial sin is charging a more luxurious vacation than we could afford. Now my credit card balance is bigger than it has ever been, and I just recently got laid off. I had a bad feeling about it when I chose that super pricey hotel, but justified it somehow mentally.

wolverina401 at gmail dot com

by: Kathyrn Martell-MacKenzie | January 12th, 2012 (3:43 pm)

My bad financial behaviour is blowing the credit completely on my credit cards also eating out in restaurants too much I live by myself and get tired of cooking so I am guilty of hitting the cafes.

having to pay late fees on bills, just because I was absent-minded enough to misplace them!

by: Nicole Bouchard | January 12th, 2012 (3:55 pm)

I keep buying video games as soon as they come out at 60 bucks a pop and i dont even play them right away and the value of them by the time i play them drops drastically i could save so much money if i am patient LOL but i am definately not

by: Annalisa Diaz | January 12th, 2012 (5:42 pm)

My financial sin is going out to eat far too often!
Champion1953 at

by: ryan gorecki | January 12th, 2012 (6:34 pm)

I have 7 unpaid parking tickets from last year!

by: Ashleigh Taylor | January 12th, 2012 (6:44 pm)

trying to win “the $500 … the more I have been trying to make money, the more I waste it out of desperation.

I stopped keeping track of what I used my debit card to buy.

by: kerry santillo | January 12th, 2012 (8:37 pm)

Financial sins, just hope my hubby cant see this!!!. Got another credit card without him knowing, now!!! to pay it back ?

by: Diane Baum | January 12th, 2012 (8:40 pm)

My financial sins (and I have many) I never know how much money I have in my bank account!!!!

My biggest financial sins for 2011 is blowing my money on things I really don’t need! I have a habit of going into a store, seeing something that looks to be a good deal and buying it even though I really didn’t need it or I could of waited to buy it. I also made the mistake of rushing into moving into an apartment with a friend and now we hate each other and I’m having a hard time paying my bills! Not to mention I racked up my credit card :) oh money problems! haha

My financial sin would probably be that I can never tell my kids no and spend when I know I shouldn’t.

I spent too much money on shoes and clothes and now I feel guilty about it.

by: Jill Myrick | January 12th, 2012 (9:07 pm)

My biggest financial sin this year has been not putting enough into savings.


Bought a car before we were ready. It will be paid off at tax time so it’s not that big of a deal but still a bad decision for the moment.

Like a lot of other women, I spend too much money on clothing and shoes. I have plenty, but I keep wanting more.

glycine.max at

Spending money on “work clothes”…that has tripped me up 😛

spent all my money

We only paid the minimum due on our credit cards for the last quarter of 2011 and now we’re really paying for it!

by: cynthia layton | January 13th, 2012 (6:42 am)

stupid one day sale sites got me for about 50$s worth of shipping charges

My sin for last year was taking out money of my 401k

I used my credit card more than I should have

by: kasey kollman | January 13th, 2012 (7:20 am)

I don’t balance my check book every month

Too much frivolous spending, did we REALLY need to eat out 3x on the weekends??

my worst financial “sin” for 2011 was splurging on a 2 week vacation!

brich22 at earthlink dot net

by: Tiffany Hearn | January 13th, 2012 (9:02 am)

My financial sin is not saving enough! I have three kids and I really need to save more for their future. Thanks for the awesome giveaway!

by: Terra Eash | January 13th, 2012 (9:30 am)

My biggest financial sin in 2011 is that I was spending a lot of money on things that weren’t necessary so I didn’t put enough into savings.

Financial sins for 2011? I have too many. I went back to college without doing any saving first, for the amount that I had to cut back my work schedule, pay extra babysitters etc etc… I’m in a hole now but slowly digging myself out.

My other financial sin, which brings me to tears, is I borrowed $100 from my 7 year old daughters birthday money to pay a bill cause I was completely broke. I hate it, but I had no other choice at the time.

If I win, I’m immediately paying her back!!

caseyscouch at yahoo dot com

I was doing SO well with not overspending last year, until Christmas rolled around …. then I went beserk and now I am TOTALLY regretting it!

my sin is not staying on a budget

I bought a gym membership and went a total of 3 time, 2 of which were to use the hot tub area not work out. Worst investment ever!

by: Kendra Warstler | January 13th, 2012 (10:15 am)

My biggest finanancial sin is spending too much on “good deals” If i find a good deal I have a very hard time passing it up, and sticking to my budget

My financial sin is not putting enough in savings!

by: Kayla Hofling | January 13th, 2012 (10:38 am)

I bought a pair of jeans for $100.Which is something I would NEVER do.It was so bad, but it felt great to do:)

I spend too much and save too little!

My biggest financial sin of 2011 was charging everyday things like groceries, gas, restaurant outings, etc., and now at the end of the year, I’m really saying, ‘wow, that added up!’

I think my biggest is not saving enough. I am pretty good at paying the bills and saving at the grocery store. But I want to do better in the savings department.

I used all my savings helping my son and his family keep their house after a lay off.
eswright18 at gmail dot com

i bought an expensive A3 printer. in fact, i don’t really need it and it spend inks too much.

by: Cybelle Oliveira | January 13th, 2012 (12:59 pm)

my financial sin is spent too much in credit cards, didn`t save money….spending more than I can

by: Heather Garcia | January 13th, 2012 (1:08 pm)

Mine was spending way to much on ebay

Where do I start…
I guess my BIGGEST financial sin this year has been running up my credit cards again after paying them off. Although in my defense we lost our home to a house fire and refurnishing the rebuilt home has been expensive. I suppose that leads to my second big financial sin – not having enough set aside in savings!

by: Joyce Mlinek | January 13th, 2012 (2:21 pm)

I charged items that I should have paid cash for.

[…] use right now, I have decided to share my financial confessions of 2011 here on my blog. The $500 Financial Blogger competition is sponsored by Life Insurance Finder – the easiest place to compare life insurance […]

we put way too much on credit last year

I buy things and don’t return them and don’t use them. Often. Especially in 2011.

My biggest financial sin last year, not managing to donate 10% of income to charities.

by: BlackAsphodel | January 13th, 2012 (4:19 pm)

I have ocd, thus I used to spend a lot of money on shower gels and shampoos and everything related to personal hygiene. I am currently undergoing treatment and am in a much better place now than even just 6 months ago.


I subscribed to your newsletter as blackasphodel(at)yahoo(dot)com

I follow @lifeinsurancef on Twitter as @BlackAsphodel

Blog post:

by: Valerie Taylor Mabrey | January 13th, 2012 (4:30 pm)

I did not save one penny last year
vmkids3 at msn dot com

I spent all the money I earned. Seriously. Didn’t save a penny (cent), I figured I’ll continue to earn all the time so I’ll start saving later (“when I grow up”).

And I’ve said that for years, so no wonder I’m not driving my dream car yet… saving is just not my thing, but I need to learn, because yes it’s nice to travel and buy stuff, but it’s also nice to eventually afford something a lot more expensive (in my case, that damn car).

Hopefully I’ll change my attitude this year :)

biggest financial sin – putting nothing into my roth ira

by: addrienne mertens | January 13th, 2012 (5:08 pm)

i dont balance my checkbook anymore. i just by the grace of GOD have enough to go round for bills. 2011 i was dumb.
zippy573 AT netscape DOT net

by: addrienne mertens | January 13th, 2012 (5:09 pm)

im already subscribed to newsletter it said. heh? nice!

I kept my money in a low interest savings account rather then investing.


NOT sticking with a budget and not having an emergency fund!

My worst money sin for 2011 was getting a car title loan, it was a must for some bills, but omg the fees involved, needless to say the loan is still being paid on.

by: Jen Harriman | January 13th, 2012 (8:02 pm)

Mine was to rent a place I cant afford & spend on fun instead of necessity

by: Ron Miller | January 13th, 2012 (8:03 pm)

biggest financial sin, spending money as quick as I make it… good or bad weeks didn’t matter, spent on whims, wants, not needs.

by: barb haley | January 13th, 2012 (8:09 pm)

I spent way to much on christmas I had a budget I was suppose to follow and i totally blew it… I am suffereing

by: Ron Miller | January 13th, 2012 (8:11 pm)
by: Melodic Mom | January 13th, 2012 (8:32 pm)

Going to the food store while hungry. I buy a bunch of stuff that I didn’t need to spend money on.

by: John A. Fitzgerald | January 13th, 2012 (8:36 pm)

My sin, is that I am homeless. I have tried to meet my obligation(s), but I lost my job and now I am homeless. I apply and apply for work. I’m not holding out for some job w/great pay. I have applied to fastfood, worked day labor, so nothing is beneath me. one has to do what one has to do, but I got so far behind on rent that now I am homeless. I don’t pan-handle, I have applied for food-stamps finally because I almost got arrested for what is called dumpster-diving for food. Where I am at, it is considered theft to take thrown out garbage from a dumpster. These are tough times for all. I’m just glad I don’t have but myself to worry about. I live a very “humble” life, most things that others take for granted each an everyday are luxaries to me. My sin is being a “nobody”, but I still try everyday to be somebody. I am blessed that there are libraries that give me a chance to learn, explore, & dream.

Carrying credit card balances.

\i added about $2K to my credit card debt in 2011 :(

Dear TFB,

I buy breakfast out most mornings, just to delay getting to work a little longer.
I don’t put enough money into savings.
I didn’t get my property tax protest mailed in time to get the increase overturned, just because I was too busy doing other things.
And then I blew my budget on a convertible on December 31st!

My worst financial sin of 2012 is that I did nothing in 2012. I pulled all my cash out of “active” investments and let it sit earning less than 1% in MMA interest. Oi.

I also followed you on the twitter.

my biggest financial sin is spending on wants not all needs. sweepmorey at gmail dot com

My sin: I have not rebalanced my portfolio in a long time.

by: Lisa Garner | January 13th, 2012 (10:21 pm)

My worst financial sin for 2011 was getting a month behind on my car payment and taking several until I got it caught up which really hurt my credit.
lisalmg25 at gmail dot com

by: MARYSE BÉGIN | January 13th, 2012 (10:59 pm)

well… I don’t think its really a sin…. I gave birth to a beautiful baby girl! That will put a whole in your budget! hahaha but it filled my life with love so that’s okay 😉

My financial sins for 2011 were too much impulse buying

by: sheryl cullum | January 13th, 2012 (11:20 pm)

Charged up my hsn card bad thing to do considering I have been out of a job for over 2 years
amasfuntime at yahoo dot com

My financial sin was spending money on lottery tickets. What was I thinking?

I don’t have a cash rainy day account.

I pay bills late a lot more than I should

by: Jacqueline Smith | January 14th, 2012 (12:12 am)

Not putting money into my emergency fund after the last emergency. Then another happened.

My biggest financial sin this year is not following my budget every month. Sometimes I stray a bit.

Mine was spending too much on travels.
Thanks for the contest.

subscribed to email

I spent too much at the grocery store, bought coffee’s from restaurants instead of drinking much cheaper coffee at home. I also spent too much on hair products.
chacha6581 (@) yahoo dot com

I dipped into my emergency fund to get my kids clothes for the beginning of school last year.

I din’t save a penny

by: Kelly Greenwood | January 14th, 2012 (2:55 am)

My financial sin was going a little overboard spending for my family’s presents this year.

i have a fat was of cash shoved somewhere in my house and I know i need to get it to the bank. I’m kind of nervous. plus i know i should be earning interst on it!

My worst sin was going very deeply in debt due to the down turn of the economy :(

My biggest financial sin in 2011, was buying a car when we couldn’t really afford it… still paying for it (literally) :(

by: Michelle B | January 14th, 2012 (3:50 am)

My biggest financial sin is dipping into my savings

by: Vladimir Medvedev | January 14th, 2012 (4:45 am)

Some years ago I have ivvested some money in the stocks, and in 2011 I have so exceeded the budget that it was necessary to sell these stocks in one and a half time more cheaply, than they cost at the moment of purchase

Great giveaway thank you! I spent way too much on Christmas presents.

I spend too much and I don’t even track it all!

by: jen gersch | January 14th, 2012 (6:00 am)

parking in a towing zone and having to pay $160

my biggest sin is the inability to pay down debt on our one credit card. i’ll send in a monthly payment but then turn around and use it again.

Our household is one income as I stay home with the kids, so the fact that I paid little attention to expenditures is sinful. I chose take out frequently, drove around town mostly to get out of the house (using gas for no good reason), and got too excited about purchasing on “deal a day” sites. For 2012, I’m changing that & will put some money away for the kids’ education, instead.

by: Mr.Contestant | January 14th, 2012 (8:32 am)

No winners yet?:)

I don’t track my spending close enough

I used my credit card too much at Christmas and now I have a balance to pay off.

My biggest financial sin last year was that I didn’t put all of my 20% raise toward paying down my credit card/student loan debt like I promised myself I would do.

hmm – i made a few impulse purchases at Christmas

The biggest expense I plan on cutting out this year is the $100 + a week I spend eating out.

by: Deborah Wellenstein | January 14th, 2012 (10:30 am)

Going to casinos! It’s just like throwing my money away.

dwellenstein at cox dot net

This sin could not be helped, but we had to sell our house at a huge loss. My husbands job had to be relocated and we needed to sell our house, it was on the market for about a year, so we did what we had to do. Thanks!!

I spend too much money on junk food

Not sticking to our budget better. Too much impulse purchasing. We are back on track for 2012, though! Buying our first house this year has put things into perspective!

Sin: I am bad at the making money part! I have been looking for a job in design for 2 years now. No luck!

I’m a SAHM and my husband works very hard to keep it that way. I’m on a monthly budget, and I’m usually really good about staying within my limits. But the last couple of months, with a couple unexpected dentist bills and one little broken arm, I’m totally over budget. But I didn’t tell him! Yikes! I let my cc roll over a month, paying only what I could, and now I’ve got enough left in my budget for this month to make up for it, and pay it off. Everything will be paid up within my budget, so he doesn’t have to know I totally blew it! LOL

coriwestphal at msn dot com

by: Melanie Dauterive | January 14th, 2012 (1:04 pm)

I maxed out a credit card.

by: Karla Sceviour | January 14th, 2012 (1:30 pm)

My financial sins for 2011: Not paying off my balance on my credit cards,and not getting my bills paid by the due date!! :(
ksceviour at hotmail dot com

by: Tricia Andrews | January 14th, 2012 (2:33 pm)

I was not good about putting money into savings in 2011!

by: Mechele Johnson | January 14th, 2012 (2:34 pm)

We quit paying 2 credit cards this year! Quit, just like that! We had no choice. It was that or not pay the mortgage.

I bought a $23,000 car and ran up every one of my credit cards in a week.

by: lilshuga2001 | January 14th, 2012 (2:50 pm)


I overdrafted my bank account by a couple hundred

I haven’t been sticking to our budget. I only look at the numbers after the credit card bill arrives

blowing my taxreturn on fun stuff rather then paying of stuff, ill be better this year :0)

by: Kendra Gillilan | January 14th, 2012 (4:29 pm)

we are getting out of debt and it has taken YEARS, I would tell people to NOT charge, use cash!!!! use a budget

by: Tiffany Hoyt | January 14th, 2012 (4:36 pm)

We ate out too much.

by: Jennifer C | January 14th, 2012 (4:59 pm)

My savings is non-existent and I did use the credit card to buy a few smaller gifts before hubby got his bonus.

by: krissy daniels | January 14th, 2012 (5:48 pm)

i keep playing the lottery! oh noes!

I kept too much money in my savings instead of paying down debt and funding my ira

My financial sin was that I bought a lot of things that were on sale or clearance, and I did not even need them. What a waste of money!

Not enough in my savings account.

I don’t pay enough attention to my investments

by: Coriander Warren | January 14th, 2012 (7:00 pm)

My bad thing all year long has been to spend my whole paycheck the day that get it…which means I’m literally broke for 6 out of 7 days…..I really need to be more money concious!

by: Jessica R. | January 14th, 2012 (7:07 pm)

Counting my chickens before they hatch, and banking on funds or sales that don’t come through…YIKES!

by: mary gardner | January 14th, 2012 (7:19 pm)

i spent way too much (putting a good amount of it on a credit card) on eating out and buying Christmas gifts for my kids and family.

by: Michael Piasecki | January 14th, 2012 (7:36 pm)

I carry far too much credit card debt and don’t max out my 401k.

I didn’t keep a constant budget in 2011.


Not investing at all..
I really can’t think of anything since i’m very strict about where money goes and don’t splurge.

Not sticking to a budget

My sin is not sticking to my budget and going out to eat a lot! its so expensive when i could just cook at home.

I withdrew a lot of money thinking I’d put replace it, but I never did.

by: shirley pebbles | January 14th, 2012 (11:07 pm)

My financial sins is basically spending all our money and not having a savings account and racking up credit card debt.

The only time I’m really bad with money is when I splurge on a “bingo” day for myself once a week.

by: Deborah Wallin | January 14th, 2012 (11:16 pm)

I spent too much money on eating out this past year, when I could have cooked food at home for less.

I bought my car from a friend (…) even when he doubled the initial price. It was complete junk and just broke down so I really regret that!

Mine would be due to a reduction in income & past unemployment having to resort to TOO much of ‘robbing Peter to pay Paul’.

Thanks for the giveaway…my financial sin for 2011 was not completely paying off my last outstanding credit card balance like I promised myself I would…sigh.

senorpiero [at] yahoo [dot] com

we almost never bought grceries and ate out 75% of the time.

by: Barbara Hunt | January 14th, 2012 (11:39 pm)

Thanks for the great contest!

I indulged a little (or a lot) on my wedding in August 2011. A girl’s gotta have her special day, right?

My sin was accumulating a mountain of student debt that I’m not sure I’ll ever be able to pay off :(