February 14

Doing Lent This Year

Hey everyone,

I decided to participate in Lent this year.

It starts between February 14th to March 29th.

However, I’m putting my own twist on it.

Here’s what will happen:

  • I will celebrate it from February 15th to March 31st.
  • I will not spend any money I don’t need to spend from that period of time (no wants).
  • No Netflix, Hulu, DirecTV, nor any form of entertainment.
  • Classes I signed up for from the summit I attended will begin.
  • There will be more reading of books and blogs (that are financial or Christian).
  • I will be listening to videos and podcasts that are Christian or financial.
  • Most of the food sitting in my pantry and storage areas will be consumed.
  • Whatever money I save up will go towards the Dave Ramsey Financial Coaching class I want to take.
  • I will get involved in my church and community (and find a niche).
  • A house project will get done.

I celebrated Fat Tuesday last night and am celebrating Valentine’s Day today.

I will share recipes from those events next week.

Let me know what you all think.

Thank You and Have A Great Day,

Millennial Buddy

February 13

My experience with the Work At Home Summit

DISCLAIMER: I am not affiliated with the Work At Home Summit nor related entities (e.g. Work At Home School; Proofread Anywhere). I don’t endorse or condemn this summit. I’m not getting compensated in any way. This is just a personal review of the Work At Home Summit I attended last week.

Hey everyone,

I told some of you on my show a couple of weeks ago that I was attending a summit for people that want to work at home for a career (It was called Work At Home Summit).

It lasted from January 29th (Monday) to February 3rd (Saturday).

I picked a few videos to watch each day.

There were some videos on there that didn’t pertain to my situation.

Each video I watched had enormous amounts of information to share.

I listened to videos pertaining to certain topics:

  • Coming up with a business plan
  • Virtual assisting
  • Accounting and taxes for a business
  • Finding work at home jobs
  • Decision on starting a business
  • Learning about my purpose
  • Writing eBooks
  • Creating an online course
  • Time management
  • Marketing
  • Budgeting on Variable Income

I also watched a few Facebook Live chats with the creator of the summit.

The creator was very encouraging.

I liked how truthful and honest she was.

She also gave away a free eBook pertaining to financial mindsets.

From that book, I learned that the more skills I learn to solve other peoples’ problems, the more money I can make.

I decided to enroll in the beginning level package (Which cost me $147. I found $130 in a dormant savings account. I will pay the rest out of my emergency fund budget at the end of the month).

Because of that, I got a free eBook that will be published later this year.

Overall, it was a good experience. It made me realize that I was meant for more and I can do more in my life than I currently am doing.

I hope this will give me information I will need to start my own Financial Coaching/ Counseling business.

Let me know what you all think.

Thank You and Have A Great Day,

Millennial Buddy

February 11

How My Surgery Went

Hey everyone,

On my show, I mentioned that I was going to have to get a tooth removed.

It was cheaper than getting a root canal.

I got it done this past Friday.

The appointment was an hour away and early in the morning (8:45 AM).

I decided to get a hotel room and eat out a Chinese buffet the night before.

The surgery was good.

They took the tooth out quickly.

The area my tooth was taken out bled for 2 hours.

I’m having to eat soft foods for a few days.

I also can’t drive anywhere because of the pain medications I’m on.

Here’s a breakdown of the cost of this whole procedure:

  • $21 for prescriptions
  • $146 for the tooth removal
  • $79 for the hotel room
  • $11 for the Chinese buffet
  • $10 for the gas to get there and back
  • $25 for the stuff I needed to recover this week

The overall cost was $292. Everything was budgeted or saved up months ago.

Because of this, I have decided to start taking better care of my teeth.

I will make a daily habit to brush, floss, and rinse my teeth everyday.

I hope this will prevent other teeth from being pulled out in the future.

Let me know what you think.

Thank You and Have A Great Day,

Millennial Buddy

January 24

My Review of DirecTV Now

Disclaimer: I am not affiliated with DirecTV nor DirecTV Now. I am not getting any compensation for this review. I do not endorse DirecTV or DirecTV Now. This is a personal review of my experience using DirecTV Now.

Hey everyone,

Last month, DirecTV Now had a deal where I could pay $10 per month on their lowest tier plan (normally $35 per month).

I decided to take advantage of that to watch all of the bowl games and my favorite TV shows live (and Christmas movies).

Here’s what I liked about it:

  • No contract– If for some reason, I couldn’t afford their service, I could cancel once the month is over. I wouldn’t be able to do that with cable or satellite. I can cancel during the summer (I don’t watch a lot of live TV during the summer).
  • Cheaper than the lowest tier package of my local cable company– With my local cable company, I could get 85 channels for $58 (around 68 cents per channel). With DirecTV Now, I get 70 channels for $35 (around 50 cents per channel). I’m saving 18 cents per channel.
  • I can get my local channels– Since I’m in the Atlanta TV market, I can get local channels for no additional cost (ABC, CBS, NBC, CW, and FOX). Some live stream providers don’t have all the local channels I want to watch.
  • There are channels I will watch– Besides local channels, I can watch other favorite channels (Freeform, Investigation Discovery, ESPN, ESPN 2, Fox Sports 1, Food Network, CNBC, HLN, TV Land, A&E, Tuner Classic Movies, TLC, TV One, USA).
  • I like that they give discounts– On my first month, I got to pay $10 (with a $25 discount). When I cancelled, they offered my next month for half price ($17.50 for that month).

Here’s what I didn’t like about it:

  • The picture sometimes freezes up– When I was watching bowl games and basketball games, there were times when the picture and sound would freeze up.
  • If you cancel before the month ends, they will only let you watch one channel- When I cancelled early, the only let me watch one channel. To me, that wasn’t fair because I paid for the whole month. I should be able to watch until the expiration date.

Overall, I like it. It will be good for football season.

Let me know what you think.

Thank You and Have A Great Day,

Millennial Buddy

November 9

My Experience Using Kroger’s ClickList


DISCLAIMER: I am not afilliated with Kroger nor their ClickList program. I am not being compensated for this review. This is my review and personal opinion of my experience using Kroger’s ClickList program.

Hey everyone,

I ran out of groceries in my house and had to buy food for a church party and Thanksgiving.

So, I went grocery shopping over the weekend.

One of my favorite grocery stores, Kroger, had a lot of items on sale last week

When I was on their website, I noticed that they had a new feature at their store.

It’s called ClickList.

With this feature, you can order grocery items online without having to go inside the store.

I decided to give it a try.

Here’s how the ordering online part worked:

  • I went to www.kroger.com
  • I signed in to my Kroger account (I already had an account from using their card to put coupons on it).
  • Once I got in, I found ClickList (I double checked to see if my store did that program or not).
  • I reserved a time and day for me to pickup the order.
  • I typed in items I had on the grocery list I made and put them in my cart.
  • Once I got done shopping, I checked out.
  • They sent me an email confirmation that my order was being processed and what day and time I was supposed to go and pickup.

Here’s how the pick up part worked:

  • I went to Kroger within the 1 hour period I was supposed to be there to pick up my order.
  • I parked in the designated ClickList parking area.
  • I called the number in front of the area I parked and told them I was there.
  • 10 minutes later, a manager/trainer and a bagger came out.
  • The manager/trainer reviewed the order I made online and told me what they had to substitute (the person also asked if I had coupons or not).
  • The manager/trainer asked if I was satisfied with my order.
  • The bagger put the items in my car.
  • The manager/trainer and bagger told me to take survey to get extra fuel points to use at their gas station.
  • They charged my card once I left.

Here are pictures of my experience with ClickList:

This is what I liked about ClickList:

  • It saved me time. I liked that I got to order everything off of my grocery list without having to spend time shopping in the store and finding out where items in the store are.
  • The feature showed me prices on items, so I knew how much I was putting in my cart.
  • I made a few errors on the order and they let me fix those mistakes (because it was the day before I had to pickup the order).
  • They had employees that put the groceries in the car for me. I didn’t have to put them in the car.
  • They give you an hour time window to pick your items up.

This is what I didn’t like about ClickList:

  • It only accepts customers who have debit and credit cards. If I would have lost my debit or credit cards, I wouldn’t be able to use this feature.
  • I didn’t like the substitution feature. If they ran out of a certain item, I might get a similar item I didn’t like (e.g. I ordered Kroger plain toasted oats cereal and all they had was the honey nut kind.)
  • You have to pay attention to how many items you’re putting in your cart. I made a mistake of putting in 8 of a certain item when I wanted 4 of that certain item. Thankfully, they gave me time to correct the item. If it was same day, I wouldn’t have been able to do it.
  • I wasn’t a big fan of the $5 convenience fee, but it saved me a lot of time that I would have lost if I went inside the store (10 minutes vs. 1-2 hours in the store).

Would I use this feature again?

  • I will. But next time, I will not use the substitution feature. It was easier than spending 3 hours grocery shopping at 3-4 stores.

Please share with me your experience of ordering groceries online and picking them up at your local grocery store.

Tomorrow, I will share my grocery haul with you all.

Thank You and Have A Nice Day,

Millennial Buddy


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November 7

My Experience Shopping For Health Insurance For 2018

DISCLAIMER: I am not afilliated with Healthcare.gov nor the plans they offer. I am not being compensated for this post. I’m sharing my experience shopping for health care for 2018.

Hey everyone,

As many of you all know, it’s time to enroll in health insurance for 2018.

I did so on the first day it was available (November 1st).

I needed health insurance (to have it in case I need to see a doctor and to avoid tax penalties).

I also needed dental insurance (I have to have a tooth fixed at the beginning of the year).

So, I went to Healthcare.gov to see what they had to offer.

They only had one provider in my area.

I decided to go with that provider because not a lot of insurance companies were going to provide insurance in my area (and the insurance works with the doctors I go to).

I went with a Silver Plan where I’m paying $80 a month for health insurance.

I could have gotten free insurance from the lower tiered plans but it wouldn’t have helped me financially if I needed to go to the doctor.

Here’s what the plan offered:

  • $1,000 deductible
  • $2,450 out-of-pocket maximum
  • 20% co-insurance after deductible for ER visits
  • $10 generic drugs
  • $20 primary doctor visits
  • $40 specialist doctor visits

I also got dental insurance for $20.

Here’s what that plan offered:

  • $50 deductible
  • $350 out of pocket maximum
  • No charge for routine dental care
  • 20% co-insurance after deductible for basic dental care
  • 50% co-insurance after deductible for major dental care

So, I will be paying $100 a month for health and dental insurance next year.

I have to incorporate that into my budget.

I’m happy with the cost because it will save me thousands of dollars in the long run.

It’s worth investing my money in my health (so I can live longer to be a productive member of society).

My advice is to get health insurance now before the rates start going up.

Please share with me any ideas on health insurance or your experience getting it for next year.

Thank You and Have A Great Day,

Millennial Buddy

Category: Experiences, Personal Finance, Uncategorized | Comments Off on My Experience Shopping For Health Insurance For 2018