July 2019 Goals Update!

July 2019 Goals Update!

This summer I replaced most of my workout clothes - I haven’t bought anything new in 6 years, which is crazy. Most of it was great quality, but a couple of the colorful leggings were quite see-through, which is NOT a lewk I’m going for. So a few hundred dollars will be going back in my account! I’ll call that a win. 

Read More

June 2019 Goals Update!

June 2019 Goals Update!

Yall, June was a monster. So much happened. I didn’t even post anything other than my May 2019 goals update last month because so much insanity was going on. And clearly July isn’t any less insane, because I’ve neglected the blog altogether. Sorry about that! But I’m back to give you the lowdown on how things are going in my money and my life.

Read More

May 2019 Goals Update!

May 2019 Goals Update!

I made a big dent in my consumer debt this month, but I did transfer some savings to do it because (A) I had a large payment due and I would have had to incur interest if I didn’t pay it…I also changed my W4 allowances because apparently I have had 0 withholdings since I got this job 2017. That’s crazy! Each paycheck is now ~$100 more, which means I’ve freed up ~$200/mo for reducing that consumer debt.

Read More

Job Search (& Survival) Tips: Figure Out the Bad You Can Live With

Job Search (& Survival) Tips: Figure Out the Bad You Can Live With

During our lunch, Beverly told me she couldn’t give me a job, but she was happy to talk me through the job search process and share with me how she made her decision on which firm to choose from among her several offers. "No firm/job/boss is perfect. There are going to be bad things about any job you choose. The most important thing to do before and during the interview process is…”

Read More

April 2019 Goals Update!

April 2019 Goals Update!

My consumer debt is finally *truly* on the decline, and as some of you may have seen in my Instagram stories last week, I’m almost to the point where I am finished with the “paying off each statement balance in a very particular order” merry-go-round. My reading list is still just as long as it was last month, because I’m falling down on the job.

Read More

High Five! Champagne & Capital Gains is Still Here After One Year!

High Five! Champagne & Capital Gains is Still Here After One Year!

While I haven’t accomplished everything I hoped to accomplish with the blog in the past year, I have certainly accomplished more than I thought I would in certain ways….and getting this thing off the ground imperfectly is a heck of a lot better than not getting it off the ground at all, amirite? 

Read More

March 2019 Goals Update!

March 2019 Goals Update!

March and the beginning of April was hectic with my final of 3 bridesmaid adventures for 2019 consuming most of my free time. First, there was a shower, then a Bachelorette party in mid-March and finally the wedding the first weekend of April! It was all so much fun, but VERY expensive.

Read More

How to Transition Your Closet from Winter to Spring: 8 Steps for Refreshing & Preserving Your Wardrobe

How to Transition Your Closet from Winter to Spring: 8 Steps for Refreshing & Preserving Your Wardrobe

Over the years I’ve started doing a few things to get my clothing ready to store and to help keep it in shape for years to come. I’m also a picky shopper, so the stress of having to replace big-ticket items is something I try to avoid at all costs. Seriously, who are these people who allegedly shop as a hobby? Spending money to make sure your clothes, shoes and accessories stay clean, in good repair, and looking nice is one of the best investments you can make, especially if you buy higher quality items to avoid fast fashion (or if you’re on a clothing ban like Angela over at Tread Lightly, Retire Early)

Read More

February 2019 Goals Update!

February 2019 Goals Update!

February always sucks, but at least this year it was productive! Except for the reading books thing. My bedside stack is at least 6 books high right now. IT WILL HAPPEN. But not in February…

Read More

The Time I Bought Amex Gift Cards with My Target Card: Desperate Money Hacks to Avoid Payday Lenders or Missing a Payment

The Time I Bought Amex Gift Cards with My Target Card: Desperate Money Hacks to Avoid Payday Lenders or Missing a Payment

This list is intended to be for temporary financial situations - like a government shutdown, for example, or the time between graduation and a job start date. This list is not specifically intended to be used as a general money management strategy, but frankly, if it helps you get current on your bills, have at it. I’m not going to judge you improving your situation if improving your situation right now would mean a 16% interest rate on a credit card vs a 300% APR on a payday loan.

Read More

Surviving Semi/Unemployment: I Lived Off of My Credit Cards Because Spending an Emergency Fund is Actually Terrifying

Surviving Semi/Unemployment: I Lived Off of My Credit Cards Because Spending an Emergency Fund is Actually Terrifying

I know using credit cards will cost you money. And this may not be the solution for everyone, but it worked for me, and you shouldn’t feel ashamed if you’re facing some kind of paycheck interruption and you don’t want to (or can’t) rely on your emergency fund for any meaningful length of time. Do what you have to do to stay afloat.

Read More

2018 was The Year of Mental & Physical Health. 2019 is The Year of...

2018 was The Year of Mental & Physical Health. 2019 is The Year of...

2018 was the year I committed to my mental and physical health, pretty much no matter the cost. It was the year of 2x/week personal training, weekly therapy, binging ER, and letting my brain rest when I wasn’t working on my blog or doing things with my people. The foundation is sustainable enough that I can build on it BIG TIME in 2019 without spending nearly as much money.

Read More

2018 Recap: Champagne & Capital Gains is 9 Months Old! Blog, Money & Life Highlights

2018 Recap: Champagne & Capital Gains is 9 Months Old! Blog, Money & Life Highlights

Happy 2019, everyone! I’m looking forward to 2019, although I can’t believe it’s already here! 2018 seemed like it just started (and also like it was 85 years long…anyone else?) Can’t wait for new challenges and to build on everything I accomplished in 2018. The blog is nine months old, and I had lofty goals for the fourth quarter of the year, so let’s get to it to see how I did!

Read More

You Need Emergency Friends Just As Much As You Need Emergency Funds

You Need Emergency Friends Just As Much As You Need Emergency Funds

A lot of people talk about, and even celebrate, burrowing on their debt free journeys. They turn down social invitations. They revel in their nights in, alone. Don’t get so caught up in a debt-free, wealth-building, or self-improvement adventure that you neglect to build that community.

Read More

Money Lessons I Learned from Friends: Phoebe Buffay

Money Lessons I Learned from Friends: Phoebe Buffay

Phoebe really is the odd duck in the group. It’s like she dropped out of someone’s mental image of a stereotypical, leftover hippie from the Woodstock era and the rest of the group is a bunch of overgrown frat stars living The Life in NYC. But she certainly has a few moments that can teach us about finance, and that’s what we’re here to discuss, amirite??

Read More

Money Lessons I Learned From Friends: Chandler Bing

Money Lessons I Learned From Friends: Chandler Bing

One of the things I love about Chandler is his strong story arc. He learns to be in an adult relationship after he and Monica have their first fight and develops emotionally over the course of the show. He also ditches his corporate career near the end of the series to pursue something different, riskier, and more creative. And, of course, Chandler is a model of personal finance success.

Read More

Money Lessons I Learned from Friends: Monica Geller

Money Lessons I Learned from Friends: Monica Geller

Monica serves as a romantic foil to Rachel’s absurd dating successes, reminding Rachel that sometimes when men say they’re going to call, they’re not actually going to call. She’s afraid she’ll never find a partner. She’s particular about…everything. And she’s almost always right. I relate to Monica a lot. And she learns (and teaches) quite a few financial lessons to which I certainly can relate, and I’m hoping you can too!

Read More

Money Lessons I Learned from Friends: Joey Tribbiani

Money Lessons I Learned from Friends: Joey Tribbiani

Joey…I’m trying to find the words to describe this [guy] without being disrespectful. Joey doesn’t share food, but he does share his money with his friends when he has it (which is admittedly rare) and he learned a lot of money lessons the hard way.

Read More

Money Lessons I Learned from Friends: Ross Geller

Money Lessons I Learned from Friends: Ross Geller

One of Ross’s “things” is that he enthusiastically loads up on hotel toiletries and other “free” items in hotel rooms. Chandler gets into it and returns with some great items (USA Today, two apples - “Nice! We’re only 4 apples short of a bushel!” squeals Ross), but the record scratches when Chandler reveals salt and pepper shakers. Ross is beyond appalled and tells him: “You have to find the line between stealing and taking what the hotel owes you.”

Read More

Money Lessons I Learned from Friends: Rachel Green

Money Lessons I Learned from Friends: Rachel Green

Anyway, I was thinking about my previous post about Minimalism in which I mention “everyone should have a Monica Closet,” and I thought about all the other things Friends characters taught me about money. Turns out the Friends dealt with money in their lives and with each other quite often! And not always very well…up first, Rachel Green!

Read More