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Featured
Permanent Writer's Block & the Pandemic
Jan 9, 2022
Permanent Writer's Block & the Pandemic
Jan 9, 2022

For me, there has been an undercurrent of anxiety and grief that is hard to describe…but essentially, it hasn’t left room in my brain for much more than the essentials and, in my downtime, relatively mindless entertainment.

Jan 9, 2022
Starting a New Job in a Global Pandemic Might Be the Best Thing That’s Happened to My Career
Jul 15, 2020
Starting a New Job in a Global Pandemic Might Be the Best Thing That’s Happened to My Career
Jul 15, 2020

There’s plenty to complain about these days, and honestly, it’s getting kinda draining (name that musical!) so I decided to highlight one of the good things that has come out of COVID for me. Starting a new job remotely during the pandemic has actually benefitted me in so many ways versus going into a new office setting.

Jul 15, 2020
What Does Added Sugar Have to Do With Spending Money?
May 26, 2020
What Does Added Sugar Have to Do With Spending Money?
May 26, 2020

If you make enough money, removing the “added sugar” from your budget is a great way to free up money – guilt-free! – for things you just *want* to buy.

May 26, 2020
New Year, New(ish) Me? Hopeless Resignation vs. Hustle Porn & Why I’m Not Starting the Year with a Resolutions Post
Jan 14, 2020
New Year, New(ish) Me? Hopeless Resignation vs. Hustle Porn & Why I’m Not Starting the Year with a Resolutions Post
Jan 14, 2020

The onslaught of #2020Vision honestly overwhelmed me to the point that I didn’t even think about what I wanted from 2020 because I was too busy hiding from everyone’s new X-Ray vision.

Jan 14, 2020
July 2019 Goals Update!
Aug 12, 2019
July 2019 Goals Update!
Aug 12, 2019

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. 

Aug 12, 2019
June 2019 Goals Update!
Jul 23, 2019
June 2019 Goals Update!
Jul 23, 2019

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.

Jul 23, 2019
May 2019 Goals Update!
Jun 4, 2019
May 2019 Goals Update!
Jun 4, 2019

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.

Jun 4, 2019
Job Search (& Survival) Tips: Figure Out the Bad You Can Live With
May 25, 2019
Job Search (& Survival) Tips: Figure Out the Bad You Can Live With
May 25, 2019

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…”

May 25, 2019
April 2019 Goals Update!
May 7, 2019
April 2019 Goals Update!
May 7, 2019

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.

May 7, 2019
High Five! Champagne & Capital Gains is Still Here After One Year!
May 4, 2019
High Five! Champagne & Capital Gains is Still Here After One Year!
May 4, 2019

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? 

May 4, 2019
March 2019 Goals Update!
Apr 18, 2019
March 2019 Goals Update!
Apr 18, 2019

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.

Apr 18, 2019
How to Transition Your Closet from Winter to Spring: 8 Steps for Refreshing & Preserving Your Wardrobe
Apr 10, 2019
How to Transition Your Closet from Winter to Spring: 8 Steps for Refreshing & Preserving Your Wardrobe
Apr 10, 2019

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)

Apr 10, 2019
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Champagne & Capital Gains

Personal finance for young professionals who want to indulge their champagne tastes on a beer budget, optimize their everyday spending, and learn to invest for a financially independent future.

Welcome to C&CG!

I'll be your guide to all things money optimization, because I like to spend as little as possible on all the nice things, and invest as well as possible so I can have the freedom I want later in life. 

#TalkMoney to me at:
hello@champagneandcapitalgains.com

Must-Reads!

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

When Does Self-Care Become Self-Sabotage?

Minimalism Is Not a Virtue

Why the Fitness Line Item in Your Budget Should Hurt

Mental Health Care Costs Should Be Non-Negotiables

Money Lessons I Learned from Friends: Chandler Bing

Join the Champagne Gang!

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Thank you for subscribing! C&CG respects your privacy and will only use your email address to communicate with you directly. We will never sell or provide your address to a third party, so you're all good! You're going to love C&CG content, and we promise not to overwhelm you with emails :)

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    Apr 5, 2023, 3:57 PM
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June numbers are in! The investments/retirement number has been all over the place. A week or two ago, it was > $80,000...now it’s back down. The market is a wild ride right now. Just hang on! •
My #emergencyfund is up to almost $5,000.
#Juneteenth: A day to celebrate America’s history of becoming a more perfect union, and a day to remember we still have a long way to go to that end.
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Share some of your favorite black creators and creations in the comments, whether it&rs
#blackouttuesday
New post! 👩🏼‍💻 What Does Added Sugar Have to Do With Spending Money? 🍦💸
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I love a good analogy! Last week, I was binging on some Oreos (pretty standard whenever I buy them), and I started thinking about my added sugar strategy, which I
Memorial Day sales are revving up! As you all know, I’m not just a #debtrepayment blogger, I’m a spending optimization fanatic!
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Spending is necessary in life. And I love NOTHING more than spending a little as possible on things I n
May Money Update! 🤓💸 My 401k is open! I’ll have 14 paychecks to contribute to my 401k. Currently, I’m doing $850/paycheck, but I may increase it before the end of the year.
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My current priority is getting a cash emergency fund of
Happy Monday! This picture is from my trip to South African wine country- this small town called Franschhoek has all of this fun, modern art everywhere. These paper clips reminded me of the work week ahead (and reminded me that I’m ready to be
Extremely late April update!🌷😷
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Stocks have bounced back a bit, which is reflected in the increase in my investment total...in May, I’ll start contributing to a 401k again so this will begin ramping up! I still want to hit $100k by the
Social distancing got you feeling down? Even my pup is feeling the effects!
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Just kidding...he is living his best life getting multiple 30-minute walks per day and getting to hang out with me 24/7. His only struggle is not being allowed to snif

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