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
In the personal finance realm there are a couple of different “winter” themed debt payoff methods, such as Debt Snowball, or Debt Avalanche, where basically you pay down the lowest balance first and then use that previous payment toward your next lowest debt, and so on and so forth. Snowflake method can also be referred to … More Snowflake Saving Method
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
Hello! I’ve done a few of these posts already for January and February. I kind of purposely skipped March since so much of that spending was related to travel and I have a couple of posts in the pipeline about that specifically. So I’m jumping into this monthly recap knowing that I’m coming off a … More Spending Habits: April 2019
I started analyzing my spending last month and posting about it here, so the tradition continues! I tried really hard this month not to overspend. I wanted to make sure that I had a cushion of savings for when we go on vacation (as of this post only one week away!). So my spending was … More Spending Habits: February 2019
Thought I would try something new with a monthly spending recap! Just a way to analyze my spending and see where I can improve. Even though I don’t really like to rely upon MINT to keep track of my day to day spending, I do like the feature with the spending breakdown by category so … More Spending Habits: January 2019
If you haven’t yet seen my posts on my credit card ban, here’s the 6 month check in and the 1 year check-in. I’ve been very fortunate that my salary has increased in the time I have been doing this credit card ban because I don’t think I would have kept up with it, or … More Rethinking My Finances Based On My Credit Card Ban
