An Ode to My YNAB Budget

YNAB budget finance you need a budget

The Personal Finance community has some pretty strong views about budgets. About whether or not you need one, about the proper way to allocate money, and about what tool is best. Excel spreadsheet user? You should totally be using Personal Capital. No, you should use Mint. No, nothing beats a good old-fashioned spreadsheet! While I hate to add to the noise of the budget debate, I am a fervent convert of You Need a Budget (YNAB).

It has officially been one year since I started my free 34-day trial, and I can honestly say that using YNAB has changed my life. Without it, I never would have gotten my financial shit in order, and I never would have found the personal finance and FIRE community. I finally feel like I have control of my finances, and I want to shout YNAB’s praises from the rooftops. Conveniently, I have a blog now! Complete with virtual rooftops galore!

cats railroad aristocats animation singing from the rooftop
Aristocats…just pretend it’s a rooftop

So here it goes. Reasons why I love budgeting in YNAB:  Continue reading “An Ode to My YNAB Budget”

Slaying My Consumer Debt

consumer debt, credit card, paying off

 

This month, I officially paid off the last of my credit card debt. I’m honestly a little embarrassed that I had any to begin with—I wasn’t all that careful with my money right after graduating because taking home a real paycheck was dizzying. I didn’t bother doing the math, and was pretty liberal to treating myself when I had a bad day and needed a pick-me-up. Or when I had a good day and needed to celebrate. Or really anytime I wanted something; I was a pro at coming up with excuses. Finally, when I got serious about budgeting just about a year ago (and subsequently fell down the FIRE rabbit hole), I was able to make real progress on tackling the beast. Continue reading “Slaying My Consumer Debt”

Mental Health, Part 2: Sanity and Financial Security

My Mental Health Four Years Ago

Remember that NBD accident from Mental Health, Part I? Yeah, it left me pretty screwed up mentally as well as physically. I did a great job of pretending I was okay for awhile, and the panic attacks and obsessive thoughts kept getting worse. I was a mess. And ironically, it took my therapist and I awhile to figure out that I was depressed. Turns out I was so good at faking normal by that point that even in my own head, depression was masked as extreme stress and exhaustion. But when we did finally put a name to that feeling of being constantly overwhelmed and unable to find a way out, things got a lot better. Why? Continue reading “Mental Health, Part 2: Sanity and Financial Security”

Financial Advice from My Cat

Pets have always been in integral part of my life. They make me happier, and they’re great companions to have through tough times. They’re also fantastic sources of amusement – both cats and dogs tend to do pretty ridiculous things (have you ever seen a cat get his jaw stuck in his collar? Or jump into the shower by accident when it’s running?). But in addition to all of that, my cats have also imparted some pretty deep financial advice over the years. And being the generous person I am, I decided I had to share that wisdom with the world. Courtesy of my financially savvy cats:

Continue reading “Financial Advice from My Cat”

10 Pieces of Financial Advice for My 20 Year Old Sister

Lately, during my phone conversations with my little sister, I have this overwhelming urge to bombard her with financial advice. All of the things that I wish I had known before I racked up credit card debt and bought a new office wardrobe. Before I spent some of my first real money on a classy pair of “big-girl” diamond earrings. Before I got my first apartment and spent absurd amounts of money on takeout. You get the drift…

But usually our phone calls are short because she’s busy studying or going between commitments on campus. Plus, she’s 20 and thinks she has all the answers. So I thought I’d compile my thoughts here in the spirit of encouraging student financial health in others, and maybe in the hope that having a written response will be helpful to her. So here we go!

Continue reading “10 Pieces of Financial Advice for My 20 Year Old Sister”

Simple Rituals and Throwing Out my Keurig

Senior year of college, I became the proud owner of a secondhand Keurig coffee maker (courtesy of my mother, who decided to upgrade). It was red and shiny and glorious. I was convinced that it would earn me eternal goodwill from my five roommates, which was something I definitely needed since I was always experimenting with cooking weird things in the kitchen and, if we’re being honest, cut corners when it was my turn to vacuum. But I barely used the coffee maker. Sure, I made the occasional cup, but when I really needed a caffeine boost, I much preferred an espresso drink at the college coffee shop (frugality wasn’t fully on my radar at that point…). I also typically needed that caffeine boost halfway through the day when I was on campus between classes, and I definitely didn’t have my shit together enough to make coffee that morning for later in the afternoon—I was lucky if I had a clean mug in the kitchen at all. So the Keurig sat under-utilized all year. When I graduated, I moved it with me, convinced that as a real-life adult, I’d need to up my coffee intake. I even bought a cute drawer to put underneath it and store the K-cups. But again, I barely used it. I didn’t particularly like the coffee when I did make it (I’ve never been a huge coffee drinker), and the machine had a habit of leaking water and under-filling my cup. So when I moved to a new apartment, I decided to get rid of the machine, and I gave the K-cup drawer to my mom. But in my new apartment, with the Keurig gone, a funny thing happened… Continue reading “Simple Rituals and Throwing Out my Keurig”

The Origin of a Name

When I decided to start a blog, I had a lot of trouble choosing a name. I wanted it to be something that meant something to me, and I didn’t want a name that was flip or too “cute” (I didn’t think that would fit my goal for the blog or my tone). Several great ideas I had were already taken, so I decided to turn to some of my favorite books for inspiration. Continue reading “The Origin of a Name”

The Joy of Cooking at Home

Something I decided to do when I got serious about eating healthier and spending less money was relying less on convenience foods. Last year I did a pretty good job cutting out delivery and eating out, but I was still such a sucker for higher priced items at the grocery store—the “oven ready” kits, the fresh sushi in the prepared foods section, the artisan bread loaves that always smell so tempting…the list goes on. In January, I resolved to cut back on these and make as much from scratch as possible.  Continue reading “The Joy of Cooking at Home”