The first month of 2021 has been a month full of confusion for me. I have a bad habit of keeping things bottled up until everything has cleared up which is why I have been lagging on writing any new posts. Sadly, everything is still muddy in my mind, but I’m hoping that by writing through this, it’ll provide some clarity. Thanks Ms Afro Penny for the much needed nudge to put my thoughts into words (or at least try)…
Ahh! I can barely contain my excitement! Out of all the posts I’ve written or plan on writing, this was the post I was most looking forward to writing, with possibly the exception of being debt free. As of Oct 9, 2020, I currently have a six figure net worth! For a while now, I’ve known that based on how much I was saving vs how much I was putting to pay off my debt that I’d hit the $100k…
Welcome to my August 2020 financial progress! If you are new here, every month, I post the progress I’ve made on paying off my student loans and on my savings. I’ve done this since I first started paying down my loans in July 2017 and it has been so worth it. I do this to hold myself accountable and to share my progress with others who are also facing debt payments of their own. Debt paid this month: $880.77 Debt…
2020 is here! And I’m finally ready to go over my 2019 year in review after quite a bit of procrastination. I felt like so many things, yet at the same time nothing happened in 2019. It was really hard to generalize my 2019 into any specific theme, but I did finally settle on one. If I am putting it nicely, 2019 was definitely the Year of Self-Care. To put it bluntly, I can also rename this as the Year…
Drumroll please… As of Oct 17, 2019 I currently have a whopping net worth of ZERO dollars! And if you thought I’d be depressed over it, well you’re wrong. I’m damn proud of my $0 net worth! I guess a backstory is needed here. Why am I happy with my $0 net worth? Because for the first time since I became an adult, I have positive net worth. I started undergrad at 18 by borrowing the first of many student…
Ever bought something that you later regretted? I have. So in my efforts to pay off my six-figure debt, I have drastically cut down on my spending. Although I have cut down on many more things, these are the 6 things that I no longer buy that have made the most impact on saving me money. 1. Desktop computer I stopped using my desktop computer when I graduated from high school 8 years ago and moved out to the dorms with…
I was late in starting the makeup game. But boy did I start. And once I started I just couldn’t stop. I was obsessed with buying new makeup for years. Thankfully I finally put an end to it. This is how I was able to stop buying makeup for a year to save money. The Start of My Makeup Obsession I was a late starter, I only started wearing makeup my freshman year of college. Yes, I dabbled into the…
Raise your hand if you’ve ever found yourself buying things that you really just don’t need? Do you find yourself asking how to cut spending? You may not be able to see me, but I am definitely raising my hand with you. But I’ve finally found a way to cut spending by asking myself these 3 questions before I make purchases. 1. If I don’t have a job right now, is this something I would buy? This is my…
Some say the first rule in personal finance is to pay off credit card debt fully every month. Well, I disagree. With a caveat, of course. I have one, and only one reason why I don’t fully pay off credit card debt every month. And I do it without incurring credit card debt with ghastly interest rates. Let me tell you my hack on how I do just that. First, let me start off by saying I absolutely hate accruing…