It’s tax season! And depending on if you’re on team “tax-refund” or team “tax-payment” it’s the same cycle every year. While I understand why some people really dread this season, for me it’s a pretty good time of the year because I am currently waiting on a refund. Ordinarily, I receive about $1100 a year…
10 Assumptions About Adulthood Finances That Are Holding Millennials Back (and what to do about it!)
I’m not sure where I got all these ideas of adulthood.
I think it’s been a combination of different people, society, and the internet that’s dictated my ideas on what it’s like to be an adult. It’s kind of funny how we can’t pinpoint what the source of all these assumptions, yet the have such an impact on our decisions about our careers, personal finance, and more importantly, how we see and feel about ourselves as adults.
These are the 10 assumptions I had about adulthood that not necessarily turned out to be wrong (all assumptions come from somewhere), but they held me back from growing up to the person I wanted to be.
With the new year coming to an end, I audited all of my expenses according to the 50/30/20 budget rule. I not only talk about this budget rule, I show you how it’s applied to me!
The reason I started MLA is because I wanted to create an honest personal space where I could share exactly what I’m doing to get through adulthood instead just giving some vague or generic advice. Instead of just talking about the 50/30/20 budgeting rule, I wanted to see how it applied to my year-round expenses.
Well, it’s almost that time of the year again!
And if you’re anything like me, you love the holidays, but get a little anxious when you think about the stress and cost of it. While I’m not shopping expert on the best deals and sales, I am pretty creative when…
Even though I like to think of myself as an avid saver, saving up for an emergency fund has been a far larger struggle than I’d like to admit. Every time I seem like I’m so close, I seem to just drop right back down. So here are 3 things I’ve had to spend my emergency fund on and my plan to get it back up to my goal.
Trying to make a budget and don’t know where to start? It’s here! I will walk you through how I budget with my FREE budget spreadsheet.
A running theme throughout adulthood is of course, personal finance! It’s maybe the most important life admin task of all because it really does provide the foundation and limits for everything else. No matter how much money you have, everyone needs a budget.
For years, I resisted the idea of switching to a Credit Union. I didn’t see the point. I vaguely knew that it was better to support local Credit Unions (instead of big, for-profit banks) but at that stage in my life, I was a student, and most banks have free student accounts.
Until one day a bad bank experience promoted me to look into Credit Unions and I began saving hundreds of dollars passively! But switching did come with Pros and Cons….
One of the biggest hallmarks of #adulting is grocery shopping. It seems like a never-ending task.
There’s no food in the fridge. You go buy more food. Some of it you eat. Some of it goes bad. There’s no food in the fridge, again.
Mastering the navigation of the grocery store is a level we all hope to achieve. And we’ve all heard the basic advice of grocery shopping and I will reiterate them here for your convenience (cause this is a grocery store article, kind of like convenience store, GET IT? HAHAHA) Okay just me. Moving on, let’s review the holy trinity rules of grocery shopping:
While education is the one of the most valuable things you can invest in, it’s almost one of the most costly. And there is a line that makes it not worth it. So how did I manage to pay off my student debt before I graduate? A lot of work.
There’s no glamorous way to say it, but it’s possible and the sooner you start, the better. To start here is how much paid for my degree: