Diversify Your Coins: SAVE Edition with US Savings Bonds

You can save your coins by purchasing a US Savings Bond.

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I’m sure you remember your grandparents buying you one for Christmas when you were small….

No…. That’s okay… We will dive right into it.

What’s a Savings Bond?

A savings bond is a bond that is offered to individuals and institutions for a certain interest rate for a certain period of time. Basically, the US government is raising funds to fund capital projects and maintain the economy.

Sounds legit right?! Because it is. It’s one of the safest investments for your money. *

What’s so special about Savings Bonds?

Non-Marketable– Meaning you pay for what you buy. If you purchase a bond for $100; you will get that and interest back on your bond if you hold until it’s maturity date.

Interest Payment- This means that you will gain return on your investment. Interest on bonds compounds semi-annually  and accrue every year as long as you have it.

No Taxes-Saving bonds are not subject to state and local taxes so that will help if you may or may not have a tax bill once you file your taxes for the year.

What types of Savings Bonds are available?

Series EE and Series I bond are slighty different.

Series EE Bond are sold at face value and can be redeemed at face value if you were to cash it in. It also offers a fixed rate of interest.

Series I Bond is sold at face value. The rate of interest adjusts according to inflation. If inflation increases, the rate of interest will adjust upward.

How can I purchase a Savings Bond?

Check out Treasury Direct.** You can create an account and purchase today. All you need is your social security number, checking or savings account, and email address.

Soooooooo… Another way to Diversify Your Coins is Saving Money which can be by purchasing a Savings Bonds. It is a financial interest that is backed by the federal government and carries very little risk.

Question of the Day: Did your grandparents or parents gift you a savings bond when you were little? If so, did you hold on to it.

Keep Stacking. Keep Saving,


Miss Diva Dollars



* I am not a licensed an investment professional. This is my blog to offer great personal finance tips and share my journey to financial stability. My words are not gospel. There is a level of risk with anything you put your coins into. Make sure you do your research! 
**Treasury Direct is an official government website where you can purchase US savings bonds. This is not a paid advertisement. 

Diversify Your Coins: EARN Edition

If you are following my Instagram; which you should…… Click Below.

Miss Diva Dollars

Every Monday I post a new financial tip. My financial mantra is EARN, SAVE, INVEST, REPEAT. That is how your money should do for you.

I am going to break down each one every Monday (Check in next week!)

Everyone has to earn money  in order to live and eat. That is the way of the world. As a Millennial, our financial situation is slightly different than the generations before us.

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If you are a millennial reading this; I know that you feel this meme.

Sooooo what’s  a person to add some coins to their pocket….


Side Hustle help you make money on your time to help ease your financial burden so you can buy the guacolmole with your burrito bowl at Chipotle because we know that it costs extra…


So there is alot of companies that are apart of the gig economy that you can work for that will help you earn extra cash. Below is a sample list of them:

Uber– You already know…

Lyft-You already know…

Amazon Flex– Deliver Amazon Packages

SpotHero-You can rent out your parking spot.

Instacart-Does the grocery shopping for you

Postmates– Brings food to you

Uber Eats- See above.

Saucey-Bring Alcholol to your door (Must be 21 and older to indulge)

Task Rabbit-Errand Service

AirBnB-Turn your guest room into a money making machine.

All of these companies have different requirements but they are not strenous for the average person. I hope this helps on your journey to earning, saving, and and investing more. If you have worked any of these companies or created your own side hustle; post a comment below. I would love to hear your thoughts…

second job

Happy Saving,

Miss Diva Dollars



Mandy’s Money Minutes- MLK Edition

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As you all know, Martin Luther King Jr. was a major advocate for social justice and economic equality for all.

We can continue to honor his legacy by investing an minority bank in your local area. You can open up a savings account or Certificate of Deposit (C.D.). By doing so, you are helping your community. Each time a person opens up an account or loan with a minority owned institution; that money is reinvested back into the community through home loans and small business loans. Below is the link to a list of minority owned institutions that you can support near you.

List of Minority-Owned Financial Institutions


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Happy Savings!!


Miss Diva Dollars

Introducing Mandy’s Money Minutes

Hey There Divas and Divos!!

Happy New Year!!

Introducing some exciting things on Social Media!

**Mandy’s Money Minute**

Money minute

I will give financial tips and pieces of my financial story on Instagram and Facebook on Mondays in 2018.

I will strive to keep them under a minute! LOL!! Sometimes this diva can get a little chatty but I want everyone to get as much info as they can. You can check it out on the links below.



Happy Saving!!


Miss Diva Dollars

Money Talk over Dope Beats: The 4:44 Album through my Diva Dollars lens

Happy Monday Divas and Divos!! I’m sure everyone has the new Jay’z album 4:44 on repeat. I know I have! Especially since it was released on Apple Music last week. *Disclaimer* I have been a Jay fan since I was … Continue reading

My Financial Life: The 30th Edition

As of today, it will make 30 days since I turned 30! YIKES! I am officially in the 30 Club! If you are like me, then you had benchmarks set for yourself by 30. I was supposed to have the following: $10,000 in a savings account, making over $100K a year, and owning real estate. Guess What?!?! I have none of that and that is perfectly okay. There is a time and place for everything. In due time, I will have that amount in my savings account and that large salary. In the meantime, I will blog about my journey toward those millions. LOL! As I reflect on my twenties, I realized a few financial mishaps that I and hopefully you can learn from.


Ever heard of the phrase“Keeping up with the Joneses?” I was paying too much attention to the rappers, reality show stars, and local Instagram celebrities. I thought that I HAD to HAVE the latest and greatest clothing, cars, and VIP bottle service at the club. One of the reasons that I have debt is because I was trying to keep up with people who I don’t know.  Those same people wouldn’t care if I had it anyway. I will no longer go broke trying to impress people that I don’t know. Those people are not lining up to pay this Diva’s bills so I will just stick to my little cute budget and strive toward being free from debt.



Cable is a LUXURY NOT A NECESSITY! Contrary to popular belief, you don’t need cable. Ask yourself, do you really watch that much TV? While I was in graduate school, I would leave home for work at 8:30am and get home at 10:30pm. That gives me just enough time to shower and get ready for bed. Yet I was paying $100 in cable every month. Why am I paying for something that I am not enjoying? I cut the cord in January 2014 and I haven’t looked back. I am a subscriber to Hulu and use my friend’s Netflix account so I can watch a show or movie when I am not busy doing other things. Also, Scandal and How to Get Away with Murder comes on ABC which you can get without a cable (Think Antenna!) so I really don’t need it. I have been living my life cable-free and I am surviving ! If you really trying to trim the fat off your budget; I would suggest that you join me on my cable free journey. Think of extra $100-200 dollars that you would save.



  1. DEPARTMENT STORE CREDIT CARDS are agents of satan.

Yep, I said it! You know how the conversation starts….

You: Hello! I’m ready to check out.

Cashier: Awesome! Would you  like to save an additional 15% off today’s purchase?

You: Sure! How?!

Cashier: Apply for the store’s credit card! If approved today, you can start using today and receive 15% off your purchase. It takes 5 minutes.  All I need is your social security number.

You: Ok…. ***-**-****

Cashier: Types in the register….. CONGRATS! You qualify for a credit limit of $250! Would you like to use it today?

You: Sure I would! *puts debit card back in purse*


And the rest is history…  That is how Victoria’s Secret and Nordstrom got me. Now I must warn others! That department store credit card is just another credit card. Now you have another debt on your credit report. Some people have 4-5 store credit cards stemming from this conversation.  That extra 10-15% percent discount is not worth it. Don’t add  an $250 debt to your credit report because you are trying to save $20 on your purchases. DON’T SUCCUMB TO SHOPPER’S TEMPTATION! JUST SAY NO!!!

Those are some of the financial mistakes that occured in my twenties.  I refuse to make these same mistakes in my 30s. I am now focused on debt reduction, savings, and investing. Stay Tuned! My journey to being debt-free is going to be a tough but necessary one to watch.

If you are 30 and up; what financial mistakes did you make in your 20s? What are you doing to ensure that you don’t repeat them? Do tell DIVAS and DIVOS!

Keep Saving  DIVAS!

With love,

Miss Diva Dollars