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 [...]
Tag: goals
What Will My Life Look Like #debtfree?
Photo by Kyle Glen via Unsplash.com For so long my debt repayment was entirely about running away from debt. Debt represented constraint, fear, and limitations. Whenever I focus on running away from something, I try to stop myself and consider: what am I running towards? The goal with debt is obviously elimination, but for what [...]
Why I’m Planning on Moving Home for Two Months
Photo by Breno Asis via Unsplash.com Some facts: my lease ends on June 30th, 2019. I won't be working by this point (I'm a teacher), but I will have some money saved to last me throughout the summer. As it stands, I only live about 15-20 minutes from my parents' home. I don't think I [...]
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 [...]
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 [...]
My Debt Story
Photo via neONBRAND on Unsplash.com I've written quite a bit about what I'm doing to pay off debt, and been transparent with my budget and thoughts about debt, but I realized that I've never entirely shared the details and story of my debt. Like most Americans, I knew basically nothing about the finances of going [...]
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, [...]
All My Goals for December 2018
I believe that we need to make changes as soon as we are inspired to, so as to not lose momentum. And despite its arbitrary nature, the start of the month can be an excellent time for this. Taking the time to reset on my budget inspires me to reset on every other aspect of [...]
Teachers Talk Money 