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
There’s a conversation in personal finance where many decisions can be boiled down to Time vs. Money (like is it worth spending money on a cleaning person to come to your home or should you take the time to clean it yourself). How much do you value your time to take on these tasks, verses … More How I Prioritize Tasks Based on Time vs. Money
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
Technically this is my first post about my wedding! How exciting! I’m pleased that my wedding posts will start with money. The first step to our wedding planning is to start saving right away since we are only receiving partial help from our families (bless them). It’s our first official savings account! I have grand … More Opening an HSBC Online Savings Account
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
Heather Allen 