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Income Problem or Spending Problem? Do the Math With Real Numbers
Paycheck to paycheck. This is something thrown around quite a bit. But how do you know if you are actually living paycheck to paycheck? When I first graduated, right into the 2008 financial crisis, it took months to find any job at all. When I finally found work in the…
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Dave Ramsey’s $1,000 Emergency Fund Advice Doesn’t Work for Women
In my first blog post, I shared how I fell back into credit card debt multiple times — even after paying it off. The culprit? An emergency fund that wasn’t actually big enough to cover emergencies. When I started researching debt payoff in 2015, Dave Ramsey’s advice was everywhere: save…
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Why Women Inherit Money Mindsets They Never Chose
Most people treat financial problems as a math problem. Save money, earn more, spend less, and budget using spreadsheets. If logic were enough, then stress and anxiety with managing finances would just disappear. The piece that is usually missing is your money mindset — the set of beliefs, emotional responses,…
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How I Paid Off $100K+ of Debt Without A Six Figure Salary (It Wasn’t Budgeting)
At 22, I had over $100,000 in student loan and credit card debt and I graduated into the 2008 financial crisis. Like many millennials, I exited college with a degree that would likely never have paid me enough to cover what I owed in a reasonable timeline. And then the…
