July was the month of beautiful sunsets. I had a couple of goals based off of last month’s spending, but since I don’t budget, I wasn’t sure how well I did until I wrote up this report.
I do things in bursts. I let messes accumulate until one day I decide that is enough and clean everything. I don’t like making calls so I will wait all year for a burst of energy one Thursday afternoon when I book a dentist, doctor, and car maintenance appointment one after another.
As I read more into personal finance, one thing kept popping up: the side-hustle. Ideally, this was something you could do in your spare time to earn a little supplemental income. While the idea seemed intriguing, I come home after work exhausted, barely able to conjure up the effort it takes to make dinner let alone […]
Cheapskate. Miser. Scrooge. These words describe people with an unhealthy relationship with money and often other people. Frugal people often walk this line– how can we be mindful money managers without being misers? The distinction got me thinking about the balancing act between the future and now, saving and spending, and the relationships we have […]
It is easy to disregard retirement when it feels far out on the horizon. Imagine your financial life like a sailing adventure—the destination is beyond our sight, but we can at least set a destination and course correct as needed.
I like to think I’m good with money and saving, but I know I’m bad at budgeting, which is the #1 rule of finance: know where your money is going! So part of this blog will be to keep track of monthly expenditures. I’m hoping I will find some patterns and areas where I can […]
Negotiating your salary is the biggest opportunity to control your compensation. Raises tend to hover around 2–3% of your base salary, whereas negotiating at the beginning will generally yield a 10–30% pay increase. Though it might be uncomfortable, in the end you risk very little, as offers are generally extended with wiggle room for negotiation. […]
I am two weeks into a new job and I declare them the terrible, horrible, no good, very bad weeks. First off, in my last week working for my old company I started getting really itchy eyes and a runny nose—figured I must have picked up some allergies in adulthood. I said goodbye to coworkers, […]
“John is really into personal finance,” my friend told me as the three of us sat eating lunch around the blue metal table. “He has eleven credit cards.” I was confused for a second, having eleven credit cards didn’t sound like someone who is good with money. He clarified that he got them for the […]
Lifestyle inflation is like an insidious bug, eating away at the edges of your budget, chirrupping “you can afford it!” Before you know it the bug scuttles away, clutching your nest egg and laughing as maniacally as a bug can laugh. Seriously though, humans are crazy quick to adapt. Give us more money, we find […]