My Heisenberg Moment

Facing a desperate situation – a six figure student loan debt with no six figure income – I did what many graduates do at first.. I ignored it. I decreased my spending enough to make slightly more than the minimum payments. In some months I relied on the credit card float and then paid it…

Everything I’m Not

Labels are tools that help us make sense of the world, and the links we create between and among us. These defined categories are one of the ways we cultivate belonging, but they’re also one of the ways we promote othering. When we mentally classify individuals or groups as ‘us,’ we automatically create the opposing…

I’m Still Living Paycheck To Paycheck

I no longer have any credit card debt. I have an emergency fund. I’m paying down my six figure student loan debt and increasing my net worth at a decent pace. Even though I’ve made massive changes, you would never know it from my thoughts or activities. I still check my accounts multiple times a…

Your Personal Finance Unicorn Does Not Exist

When I started paying back my debt at a faster pace than the absolute minimum that my lenders required, I got really excited about it. In my eagerness I started talking to friends about this radical practice, thinking that they would be grateful for the life changing shift in perspective. These conversations, for the most part, didn’t…

Financial Ruin Is Not Empowering

If you think your finances are entirely ruled by careful consideration and freewill, riddle me this: Why does consumer research show the exact opposite? Why do marketing budgets show the exact opposite? Why are lenders making serious cash hand over fist? The emotions behind spending are complex, and a shift in technology and communication means…

The Debt Bonfire Method

Despite what many personal finance experts will tell you, there is no debt repayment method that fits every situation for every person. The ‘do whatever works best for you’ model isn’t going to sell any books though.. I’m not a personal finance expert, so I’m free to share my honest opinion of the two most…

Should You Say ‘I Do’ To Combined Finances?

Any system that works best for you and your partner is valid. The end. Just kidding. I’ve got a LOT more to say about relationships and finance. More on that later, but first.. let’s drag up the dysfunctional money memories from my childhood! I grew up in the typical nuclear family – toxic adherence to rigid…

The Map To Riches

Do you know where your money is going, from the time it comes into your life to the time it evaporates into thin air? (A short time, in my case!) I was inspired by Apathy Ends and Budget on a Stick to create a map of my money – where it goes, how it’s spent,…

The Math Smackdown

I may lose my personal finance membership card for this, but I think math needs to be smacked right off its lofty pedestal. I know the personal finance community is full of optimizers and math evangelists, but please bear with me. You can judge me in the comments later. Math is not the perfect, rational response…