This has been a highly stressful week for me. Highly. Stressful. As if the holidays were not chaotic enough, I’ve been trying to find time to dedicate to the blog, prepare for my first week as controller (which officially began Monday), and get my house cleaned and ready for Christmas. Oh, and I met my boyfriend’s parents for the first time during Thanksgiving. You don’t even need to ask how many bottles of wine I’ve used as a coping mechanism. (It was 4 bottles. Completely reasonable.)Read More
Guys, I’ve officially been blogging for 3 years. THREE. YEARS. I celebrated my blogiversary back in September, and while I can’t say there haven’t been times where this has felt like job, I don’t regret all the time and effort that has gone into it. To be honest, I love doing this. I love hearing that one of my posts has helped one of you save a little more or inspired you to go kick some a$$ in this world. And while I’d like to do more (I have SO many ideas that I want to put into action), I also have a full-time job, friends, family, a house to maintain (why are there so many leaves??) and a new boyfriend. And balancing all of that can be hard.Read More
I’m going to start this post with a moment of honesty question for all of you: How many of you right now are settling? Are ok with being content instead of being happy? Choose to ride the carousel because the roller coaster is too scary to get on?
Been there. And I think it’s a human experience for all of us to go through stages of “settling” throughout life. Let’s be real: change is hard. The unknown is scary, so we decide to remain in the comfort of the bubble we have built instead of running straight out of into the world of possibilities. Because those possibilities could project us forward or backward. And the fear of ending up in a spot worse than where we are now is legitimate.Read More
Typical day in the life of Brittney:
Check Instagram, see a “Netflix and Leave Me Alone” T-shirt, think “This is a bada$$ T-shirt,” click the link for said T-shirt, contemplate whether to get the T-shirt.
Go to a bachelorette party, experience a chambong, love the chambong, want to get the chambong.
Scroll through Pinterest, see a Lululemon sports bra that is LEGIT, go to Lululemon site, balk at price of said bra. Still think about getting bra.
My point? I like to shop. And I’m always astonished when people think because of my profession/side hustle that I don’t. Even those of us who have a good handle on our money are not immune to the pull of “stuff.” I like stuff, guys. Just like the rest of you.Read More
Remember as a kid how you liked a certain sports team because your parents liked that sports team? Or you thought Clinton was going to ruin this country because your parents thought Clinton was going to ruin this country? Or basically any opinion you had mirrored theirs because they were your center of influence for 18 years? Yeah, that happened to me a few months ago. Just not with my parents.
Almost everywhere you look in the blogging world, the main goal of writing a blog (besides helping readers get their s#!& together) is to make enough money to say adios to “working for the man” and hello to working for yourself. Which is great. I absolutely get it. And for a while, I thought that was what I should be chasing, too.Read More
You know the saying “I wish I would have known then what I know now?” This is one of those things they’re talking about.
College is synonymous for long hours in the library, unpaid internships, and the place where you perfect your beer pong skills. But it can also be a time where you lay the groundwork for a financially fit post-college life, and this guest post from Brett Napoli at Credit Updates gives phenomenal information on how to do just that. So have a read and start setting up your future self for a life where you can have your cake and eat it, too. Because you know we all love cake.Read More
Guess which generation has been burdened with the most student loan debt in history? Yep, we millennials. And it’s not getting any better.
We owe $1.3 trillion in student loans alone (and that’s not even getting into auto or credit card debt) with an average balance of $28,400 per borrower. 60% of all students who graduate college do so with student loans to repay. And 11.8% of us are defaulting on those loans (which, by the way, you have to repay no matter what – bankruptcy can’t even get you out of those). Even for those of us blessed with graduating without any, we see the strain on the people we date, our best friends, our family members and feel the pressure to save for the ungodly amount our children will undoubtedly need. How’s that for a positive outlook?Read More
Honesty moment: If you asked me what one thing I attribute my financial success to, I would say graduating college debt-free. Without hesitation. Not the fact that I’ve landed well-paying jobs or am frugal to a fault or have been driving the same car for 9 years. No, it’s the lack of those student loans. I recognize that not having a $500 (or more) payment per month has allowed me to do things that many others can’t, like add more to my retirement fund, save for and buy a house, go to Peru to hike the Inca Trail, remodel my godforsaken bathroom…you get the picture. And I feel incredibly fortunate for it. And something I hope I can someday do for my children.
So this is my story of how I made my way through college without student loans. It is not a “how-to” guide to help you figure out how to do the same because, to be honest, I don’t think it’s a plan everyone has the opportunity to follow. This is just my real life story, and I hope you can glean at least one thing from it that will help you (or your children) someday do the same.Read More
I think a lot of people believe that those of us who are seen as frugal don’t feel the pull of stuff. But guys, I like having stuff. I really do. I’m just like you in that when I go to Target, I want to buy out the entire store. When I’m having a great time at the bar, I’ll buy a round or two for everyone. When I’m driving 3 hours back to my hometown in my kind-of-falling-apart G6, I really want to trade up for a vehicle with an aux feature so I can listen to something besides country radio (because yes, there is a stretch where that’s all that’s playing). I’m not immune to the pull of stuff…I’ve just learned how to be disciplined.
In last week’s post (You Are Who You're With: The 5 Types of People You Need in Your #Squad), I mentioned that my fellow blogging community is very impactful when it comes to keeping that discipline. When I feel the pull of stuff, these are the people that hold me accountable and help keep me on the path to my goals. And as a personal finance blogger myself, I feel it my duty to share with you some of the other PF blogs that I’ve fallen in love with over the years.Read More
Growing up, my brother and I spent a lot of time together…naturally. We were each other’s only sibling and considering we went to the same college, we pretty much rocked it out together for 22 solid years. And when you spend that much time with a person, you have to expect some of their habits would rub off on you. And they did.
We were always uber competitive with each other, so anytime he got an A in a class, I made sure to get an A in the class. If he scored 12 points in his basketball game, I tried to score 14 in my next one. Okay, maybe I was just super competitive with him, but either way, his drive and dedication made me driven and dedicated, which is something that has stayed with me throughout my almost but not quite 30 years.Read More