Longtime readers of this blog know that my income hasn’t always been great. Even when I had a low income, I knew that budgeting was the answer if I wanted to get better with money and improve my situation. Some people believe that budgeting is hard when you have a low income because there’s not… Read more
budgeting
7 Expensive Habits That Are Hard To Break
Everyone has those spending habits that they need to kick. Outside of basic costs like rent, utilities, food, and clothing, there is always at least one cost that you would do well cut out completely. Whether it’s eating out too much, buying shoes that are too expensive to justify sacrificing gas money for, or not… Read more
What Are Sinking Funds and How to Use Them
A kitchen renovation. A new car. A trip of a lifetime. What do these things have in common? They are all commonly listed goals that are considered something to save for. When it comes to the larger things in life, whether it be an event (i.e. Christmas), an item (a new furnace) or an experience… Read more
10 Personal Finance Questions You’re Too Embarrassed To Ask As An Adult
A good investment banker or credit counselor should tell you that there are no stupid questions, just unasked ones. Yet and still, if you’ve ever had burning questions about personal finance, you may have been afraid to ask for fear of being judged or even looking silly for not knowing the answer. As you can… Read more
Crucial Steps to Take Before Taking a Leap of Faith and Quitting Your Job
So for these past 10 months, I felt like I’ve been having some type of quarter-life crisis – yeah that’s a thing. I was so happy to land my current job two years ago, and even more motivated to pay off my debt. I set huge goals to get debt free ASAP, started this blog,… Read more
January Budget Review
Time for my first budget review of the year. I hope everyone who lives on the east coast is recovering from that harsh snow last month! Remarkably, I can count on one hand how often it’s noticeably snowed this winter in Chicago and we even had two 50-degree days yesterday and Sunday but it’s supposed… Read more