Things I’ve Bought & Plan to Buy with my $60/Month “Miscellaneous” Fund

Photo by rawpixel via Unsplash.com Recently, a friend of mine asked for help with her finances and we set up a "budget meeting" time to take a look at everything. As I was showing her my budget as an example, she said "how do you only spend $60 on stuff?" While I spend a lot [...]

What am I Spending my Tax Refund On?

Photo by rawpixel via Unsplash.com Welcome back to tax season, people.  A few weeks back, I got a question from a reader who had just started trying to manage her finances: she wrote, "Since you plan for your budget with your monthly income, what do you spend the extra money from your tax refund on?" [...]

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 [...]

Building Wealth as a Teacher

Building Wealth as a Teacher

Teacher's don't get paid enough, but that isn't what I'm going to talk about in this post. I have had multiple students tell me that they want to become teachers, but they don't want to be poor. I've had colleagues throw their hands up and stress-laugh about accepting their "fate" to live paycheck to paycheck-- [...]

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 [...]

2018 Net Worth Update

Photo by rawpixel via Unsplash.com In the immortal words of City Girls, as featured in Drake's "In My Feelings": "F*** Netflix and chill, what's your net-net-net worth?" Truly a beautifully-put sentiment for the ages.  We can infer through the verse why net worth might be important to City Girls, but why would it be important [...]

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, [...]