Credit Card Ban: 3-Year Check-In

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 fiancĂ© lost his job … More Credit Card Ban: 3-Year Check-In

Credit Card Ban: 18-Month Check-In

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

Times I Was Scammed and What I’ve Learned Since Then

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

Snowflake Saving Method

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

What I Wish I Could Tell My Younger Self About Money

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

Shopping My Closet

This time of year is so tempting for me to want to buy-all-the-things! The “sale on sale,” new merchandise, a feeling of general wanting. It’s all part of my problem of shopping. For the most part, I have resisted, but that’s only because I let myself shop one “sale on sale” and make other purchases … More Shopping My Closet