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.
If you are also in the sphere of personal finance, a common term that is thrown around is #FIRE, which stands for Financial Independence and Retire Early. I’m all for the idea of financial independence but early retirement is not for me.
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:
I’ve literally worked dozens of temporary positions and almost always, I’ve had a continuous extension or job offer afterwards. Currently, I work for the government. I started in a contract position and, in less than a year, was offered permanent, full-time, with full benefits.
Even when I was in temp pools and job hopping, I never went a day without work and I quickly learned that these are the skills and initiatives employers are looking for.