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
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
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
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
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
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
I’m very proud of myself! I went a whole year without using my credit card!! Past me would never believe it! The Reality Here’s the deal, last January my bill was the highest it had ever been. My spending in 2017 was unfiltered and my credit limit kept increasing, but I didn’t care about paying … More Credit Card Ban: 1 Year Check-In
Heather Allen 