Photo by Erick Palacio via Unsplash.com I've been focused on being in control of my finances month-to-month, but I've put off thinking about a longer-term goal: my (early) retirement. Don't get me wrong, I know exactly how much I want to be investing each month once I get my emergency fund fully built, and I even [...]
Tag: dave ramsey
On Credit Cards
Photo by Code Mnml via Unsplash.com So, I've never talked about credit cards on my blog. I didn't even realize this until my friend wrote in for a Q & A, asking "Do you have a credit card, and if so, how do you use it?" I thought it warranted an entire post. In my [...]
My February Budget (Real Numbers)
Photo by Marten Bjork via Unsplash.com Happy February everyone! I'm happy to say that I'm still on track to be #debtfree by the end of March, though my budget will be tighter due to less income than anticipated and an added expense. Here are the numbers: As you can see, my income is $20 less [...]
The Obvious & the Underrated | Resources for Personal Finance & Minimalism: A Comprehensive List
Photo by rawpixel via Unsplash.com PERSONAL FINANCE The Obvious: Dave Ramsey - Dave Ramsey's Baby Steps are the perfect starting place for beginners who are ready to change their lives financially. His podcast/show is a wealth of information. His delivery can be harsh, but I find that helps the information truly sink in. https://www.youtube.com/watch?v=rh6qxpP8nxE The [...]
3 Ways Being a Minimalist Has Made Me Better with Money
Photo by Autumn Goodman via Unsplash.com Minimalism and personal finance are far more connected than people might assume. Of course, minimalists generally buy fewer things. But how can the tenets of minimalism apply directly to personal finance? You might be surprised to hear that my first introduction to perspectives on debt freedom and investment was [...]
The #1 Game-Changer for Financial Health (No, Not Just Making a Budget)
Photo via Thought Catalog on Unsplash.com If I had to choose a phrase to describe my financial education growing up, it would be: effectively nonexistent. If I had to choose a phrase to describe my self-education in personal finance when I was about to graduate college, it would be: contradictory advice amid my desperation. Fortunately, [...]
My Actual January 2019 Budget with Screenshots from my Everydollar App
Photo via Unsplash.com Happy New Year, everyone! Here's my updated budget for January 2019, with a bit of insight on how I'm getting out of debt just 3 months into the year. INCOME You may notice that my income has increased from my December budget. I haven't earned a higher salary, but I've decided to [...]
3 Things I Sacrifice to Repay Debt (and 3 Things I Don’t)
Photo via Unsplash.com HUGE life update: Based on how much money I'm able to put towards debt repayment, I'm projected to be debt free in May 2019!!! This is a #BFD (big f****** deal) because, when I started budgeting last summer, I wasn't projected to be debt free until September 2019. Slowly throughout the months, [...]
Teachers Talk Money 