I remember listening to Dave Ramsey on the radio every weekday while folding pizza boxes in the afternoons when business was slow at the pizzeria I worked at. I can’t say I agreed with much of his financial advice, but it was good entertainment during these slow afternoons and also ...

2020 has been a challenging year for so many different reasons. A pandemic that is sweeping the globe, and doing enormous economic damage to the United States. Tens of millions of Americans out of work, with no end in sight for many in especially hard hit industries like airlines, hotels, ...

September was an interesting month, budget-wise. On the surface, it appears I blew my budget wide open in a couple categories and saw my income plummet. Well, there are explanations for both of those. Income came in at $2,262 for the month and spending was $3,965.   Income: $2,262 I ...

Starting the month of October with a Net Worth of negative $33,796. That is slightly lower than last month and is mostly the result of a decline in investment value.   Net Worth = Assets minus Liabilities Assets Amount Change from Last Month Checking/Savings $36,965 -$978 Retirement Accounts 109,988 -2,022 ...

As of 2020, there is over $1.5 Trillion in federal student loans, owed by 45 million current and former higher education students. Out of those 44 million borrowers, there are currently 1,195,497 who are enrolled in the Public Service Loan Forgiveness (PSLF) program. PSLF was created to provide an incentive ...

August was a rough month. As I enter my sixth month of working from home and limiting my time outside around people as a result of the Covid-19 pandemic, I noticed my spending ticked higher as a result of some built-up stressors. As someone in a higher-risk category for developing ...

This past month has been incredibly busy on the work front and I’m pleased to say that I am finally getting my first vacation time off in over a year this month. While it is only a week, it will be nice to relax a bit and get caught up ...

Last month I posted my first monthly budget review and discussed some of the largest impacts to my budget, like living in a high cost of living area (Washington, DC), not having a car, and working two jobs. I hope these monthly financial updates help shed some light on real ...

I posted my initial Net Worth Update for July when I reported a starting net worth of -$48,228. Now it’s time for the August Net Worth Update. I’m starting out the month of August with a net worth of -$38,405. That is a huge jump toward getting to zero. Month ...

Maybe it’s a cultural thing, but here in the United States there is an extreme aversion to talking about money. This phenomena is not just limited to talking with strangers, but even with close friends and family members. I remember growing up and having absolutely no idea how much my ...