Growing up, my mom was a huge fan of the “this will do” purchase. If there were 2 pairs of jeans, one on sale, the other not, she always opted for the one that was on sale. Never mind that the two weren’t the same cut, the same color, or that the more expensive one… Read More A Guide To Buying What You Actually Want
I go to a coffee shop almost every morning to work on this blog. Before starting Millennial Money Diaries, I got a latte 1-2 times a week–it was a special treat. Now I pay $2.73 daily for a cup of coffee and admission to work at my local coffee shop in the mornings. When I… Read More Buying Coffee Is Worth It
Recently my boyfriend and I had a conversation about refinancing his student loans. I had occasionally brought this up…REAAAALLY SUBTLY, but the conversation never really led anywhere. I never pursued it further because I really knew nothing about the details of his loan nor did I know much about refinancing, but the refinancing seed was… Read More Which Debt Personality Are You?
Have you ever spent money on something then thought later “That totally wasn’t worth it”? Our buyer’s remorse operates in an unfairly black and white manner. While the “me” that’s making a purchase at the time operates on a spectrum. It’s NEVER just “it’s worth it” or “it isn’t worth it”. If it were, we… Read More Where Your Spending Falls On The Spectrum of #WorthIt
The 10/10/10 test is this. Ask yourself how you will feel about your decision: 10 minutes from now. 10 months from now. 10 years from now. Funnily, my friend first told me about this type of thinking framework when I was going through my first breakup! It’s really magical for thinking about our decisions, dilemmas,… Read More The 10/10/10 Test For Financial Decision Making
So it’s pretty easy these days to get targeted for a credit card, usually with pre-approved or pre-selected offers. But does this mean it’s actually a good idea to apply for these cards? We have to be really honest with ourselves, especially if we’ve had no history of using a credit card before. Before you… Read More Is Your Financial Fitness Pre-Approved For a Credit Card?
I’ve had this on my mind for a long time–why are so many people misinformed about how to properly use a credit card, and end up using them irresponsibly? I keep thinking, if you use a credit card responsibly, isn’t it the same as how you would treat borrowing money from a friend? For the majority of people,… Read More 5 Things Your Friends Have In Common With Credit Card Companies