So there are times when we find ourselves looking into the face of the middle or end of month and those financial goals that we set , the staying on budget, keeping up the debt snowball or saving for a house has seemingly begun to fade. This was me all this month! I’ve been buying clothes like crazy ( mind you I gave away a lot of stuff in an effort to build a capsule wardrobe but I need a reset) and I need to stay far, far, FAR away from Zara for a while. I did send at least $1600 to Navient this month so I figured I could loosen the reins a bit but I need to refocus :).
Hi amazing readers! I thought since you took time out of your busy to day to spend time with me , I should formally introduce my (semi) anonymous self :). It took me awhile to figure out the message I wanted to get across via this blog. At my core, I really want to help people (particularly single women) have fun with their money without taking it too seriously. I figured by sharing my wins and failures with money, you can avoid some pitfalls. Now while having money is a necessity for basic things, we should be careful not to put our entire trust in it. Having a lot of money doesn’t always guarantee wealth, good health, security or happiness. The recession of 2008 taught us that we can lose material wealth at any time through no fault of our own. Unfortunately we are not 100% in control of the money markets, financial institutions nor are we in control of who control them. BUT that’s not to say we leave the management of our heard earned cash up to chance, we want to be responsible stewards of it, basically be balanced!
Sorry I’m late with this post (Mondays are my usual posting days, no excuses) but I attended and worked a charity event over the weekend , along with the typical weekend chores , food shopping, cleaning….ok this is boring let’s get into the post shall we!
I started February 2018 with a student loan balance of $17, 667.52. As of April 2018, the balance stands at $15, 962.21. Meaning that so far, I’ve paid off almost half of what I originally owed on the loan. Actually, when I think of it , I let the balance balloon up to $36,000 so I paid off even more debt than I had! This journey has been enlightening in so many ways and has taught me the benefit of being focused, determined and patient.
Hey there! Hope everyone is having a fantastic week. I’ve been making an effort to do some deep dive work on mah self, analyzing the reasoning behind some of the past decisions I’ve made around money. As you might know, there is a definite connection between how we feel about ourselves and our spending patterns.
I know that for me in my 20’s when I was living with the fam bam in Florida, the fact that my career seemed to be stalling , that I never went to law school or took the LSAT for that matter , left me feeling
Yes it’s already April . But I’m learning to stop marveling at/focusing on how fast time seems to fly and think more about how I am maximizing my time here on God’s green Earth. Have I learned to stop competing with others and aim to be a better person than I was last year around this same time? Am I learning to live in the moment and not in the past or the future? Am I becoming a better steward of my money? Am I content? I must admit I am a work in progress in these matters but the best part about reflection and growth is to recognize that there is work to be done and get down to the business of of actually doing it.
You know how it is. Those cute shoes you’ve been eyeing at DSW for weeks would be an awesome fit for your wardrobe :). They are practically calling your name….they are the perfect color, style and of course they are available in your size. And tomorrow is Friday….AND it’s payday! Yes you already own a nude pump but these are mary janes and they are on sale for $59 ! You just have to have to them. But do you need them?
I realized that my debt load was my safe place. I stared at the $36,000 I owed in student loans 6 years ago and felt completely overwhelmed….and stuck. It felt like it was such an astronomical amount that paying it off would only happen in a future far, FAR away. Then I realized after reassessing the decisions I was making, reading books on personal finance and listening to podcasts, that this debt was holding me hostage….