Financial Education
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5 Reasons to Use A Credit Card on a Debt Free Journey
It’s still Financial Literacy Month and I’m going off the beaten path this week as I need to rebuild my content for this and next week. At one point I was a few posts ahead but alas…I got behind. Anywho! As you all know, I like use credit cards to earn cash back. Sounds great Continue reading
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Budget Close Out – April Paycheck 1
It’s April 18th and time for me to close out my budget for the pay period! We’ll go over how things went for this budget. Grab a snack, grab a drink and we’ll get started. Okay! First and foremost. I spent way more on my birthday than I should’ve. There should be an unwritten rule Continue reading
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Lifestyle Inflation
This is a week where budgeting takes a back burner. The space will be filled with articles surrounding my experiences and other information about personal finance. Today’s topic is surrounding lifestyle creep, also known as lifestyle inflation. It’s super important to grab that snack. If you’re anything like I was before I started my path Continue reading
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You Can’t Take It With You
I’ve worked at the credit union since July of 2011. I’ve never imagined having this longevity with one place before I turned 40. With that longevity comes a massive amount of experiences serving in different capacities. This post is surrounding my time in Loan Servicing and a few things I learned about mortality. I’m sure Continue reading
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To Finance? Or, Pay Cash?
A lot of us who are debt conscious have a big question: Should I finance or pay cash for a high-cost item? The goal is to try to answer that question by the end of this post. Grab a snack, a glass of water, a beer, whatever you choose and we’ll get started! You may Continue reading
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I Sold My First House
Sigh…This is more of a personal post with a financial aspect. It’ll help you understand what lead to the decision for me to begin budgeting though. 2016 was a very good year for me. I graduated from school for esthetics, I turned 30, I bought my first home, and most importantly, the start of my Continue reading
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The 25% Net or 28% Gross Rule
I’m a part of a budgeting community on Facebook. One of the posters mentioned how much their income was, in conjunction with how much they thought was the ideal amount to pay for mortgage or rent and that got my wheels turning. Just how much should you pay for your mortgage/rent in a month? Whether Continue reading
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Why Are Those Funds, Sinking?
Have you ever had a major expense that you knew was coming, pop up and thought…”sh*t…I don’t have the money for this”? Just when your boat is about to sink, queue sinking funds. Sinking funds is a way to prepare for an upcoming expense that you know is going to happen at a specific time Continue reading
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Food, Gas, Miscellaneous
There’s one sure thing in life. If you’re born, you’re going to die and probably pay taxes while you wait. Now that we started things on a positive note…I’ll jump right into today’s topic. Food, gas, and miscellaneous spending catches us all off guard, sometimes you’re never sure how much is too much. Maybe you Continue reading
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Budget Who? Budget What?
Now that I got everyone caught up to my debt picture through 2023, we’ll talk about a few more things that have helped me along the way. Let’s discuss that B word that some dare not speak. BUDGET. Hopefully the other B word didn’t come to mind… Once upon a time, I truly thought I Continue reading
About Me
I’m a licensed esthetician and free lance makeup artist that has a full-time career at a local credit union in Raleigh, NC. Personal finance has become my second love next to makeup, as well as an unhealthy addiction to Excel. The plan is to be debt-free by late August 2024. New posts will be available between Monday and Thursday at 6 AM. To watch my debt balances go up or down, check my Money Moves Monday/Month-End posts. 😊
Brushes & Budgets 