A journey 10 years in the making!! There has not been a month since the card opened where I haven’t carried a balance. Check out the full story: 6-month, 1-year, 18-month, 2-year, and 3-year. The Reality My staring balance of this payoff journey was $9,943.77 in January 2018. It represented living above my means in … More Credit Card Ban: PAYOFF
My credit card payoff journey continues. I never thought I would be writing this. I mourn the fact that my goals were totally off the rails in 2020, but it was a matter of necessity. Check out the full story: 6-month, 1-year, 18-month, and 2-year. The Reality In March 2020 my fiancé lost his job … More Credit Card Ban: 3-Year Check-In
This is the final stretch! I hope to have a final complete update at the end of summer! Today’s post is a bit shorter than previous ones since I not much financially has changed since I wrote at the last update. Check out the full story: 6-month, 1-year, and 18-month. The Reality My eye-opening moment … More Credit Card Ban: 2-Year Check-In
I recently had a discussion with my fiancé on some long term savings goals that we have and I thought I would share some of our discussion and the expected dollar amounts that would end up being. Please note however that a lot of these are mostly my goals (i.e. retirement contribution), but for longer … More Long Term Savings Goals
The Breakdown The Normal (Needs) Spending: Rent (Home), Student Loans (Education), Utilities (Bills & Utilities), Credit Card interest fees (Fees & Charges). Spending update: Starting June 2019, I will no longer be paying my metro card out of pocket. Instead, it is paid out of my paycheck with pre-tax money. It no longer will factor … More Spending Habits: July 2019
Thanks for following along on this credit card payoff journey! I’ve previously written about my credit card ban at 6-month and 1-year progress intervals. The Reality Since January, I’ve paid $2,550 toward my card. My balance has decreased from $7,935.67 to $6,437.90, a decrease of $1,497.77 in six months. Since starting my credit card ban (18 months ago), … More Credit Card Ban: 18-Month Check-In
The Breakdown The Normal (Needs) Spending: Rent (Home), Student Loans (Education), Utilities (Bills & Utilities), Credit Card interest fees (Fees & Charges). Spending update for June 2019: Going forward starting this month, I will no longer be paying my metro card out of pocket. Instead, it is paid out of my paycheck with pre-tax money. … More Spending Habits: June 2019
Guess I’m on a bit of a nostalgia trip because in addition to lessons I want to tell my younger self about money, I am also re-living the horrors of getting scammed by someone or another in my early adult life. A bit of background, in college I was supporting myself through a part-time retail job … More Times I Was Scammed and What I’ve Learned Since Then
It’s only within the past couple of years (of my salaried, adult working life) that I’ve bothered to learn anything about personal finance or how money works, but now I’m actively seeking out and learning about how to manage it (401k is investing!?). It’s a process! A journey! A uphill climb! However you want to … More What I Wish I Could Tell My Younger Self About Money
This month’s spending habits breakdown is brought to you by my re-vamped Mint account. I’ve added my student loan account, my 401(k), and my new credit card to my account so I could get a sense of my net worth (still in the negatives in case anyone is wondering how my student loans are doing). … More Spending Habits: May 2019
Heather Allen 