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.

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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.

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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.

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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…

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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.

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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.

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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.

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Approaching Debt Repayment as a Moderator Instead of an Abstainer Will Make Your Life Easier

Approaching Debt Repayment as a Moderator Instead of an Abstainer Will Make Your Life Easier

Completely putting off entire types of wealthbuilding is NOT for everyone. And some personal finance gurus and bloggers preach Abstention from Wealthbuilding Until All Debt is Paid like it is the Gospel. So what are your choices and how do you know which one will work for you?

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I Dreamed I Got Fired & Now I’m Fired-Proofing My Finances

I Dreamed I Got Fired & Now I’m Fired-Proofing My Finances

I woke up breathless. I reminded myself I hadn’t been fired. Then I had a moment of actual, non-dream panic. What if this is foreshadowing? Then it hit me as I was lying in my bed, surrounded by the many boxes I had not yet unpacked: I haven’t been fired, but if I lost my job, I’d be in a realll bad situation.

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