Category: Personal Finance
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Are You Living Beyond Your Means? 10 Signs for Women
In the Federal Reserve’s 2025 survey, 37% of adults said they couldn’t cover an unexpected $400 expense completely with cash or its equivalent. Most of us were never taught how to budget, what things actually cost, or how to plan ahead, so it’s no wonder living beyond your means happens so easily. This guide is…
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Talk About Money Before You Get Serious, Move In, or Get Married
Why the Timing of the Money Talk Matters More Than the Talk Itself We’re taught that money talk is rude. Improper. Something you save for after the relationship is already locked in, if you bring it up at all. I don’t buy it. One of the biggest decisions you make in your life is who…
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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 service industry, I was happy…
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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 $1,000 as a starter emergency…
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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, and behavioral patterns you’ve formed…
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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 global financial crisis hit. Jobs…