10 Ways to Drastically Cut your Spending:

Cutting your spending may seem hard because it feels like you’re taking away things that bring you joy, but is that true? I’m sure you’ve regretted buying something many times, but can you think of a time you really regretted not buying something? (other than experiences like travel). For most people, the answer is no.Continue reading “10 Ways to Drastically Cut your Spending:”

September 2020 Financial Update:

Hello October! This is probably my favorite month. I love Autumn, the changing leaves, Halloween, and so many of my favorite people have Birthdays in this month! Today, I am sharing our September Financial Update. We have some major updates to our financial goals that I will be sharing in this post. We pretty muchContinue reading “September 2020 Financial Update:”

August 2020 Financial Update:

Hello! Hope you are all well. In our personal life, August has been kind of crazy, too much going on. I can’t wait until I’m “done” with my education so I can just focus on work and reconnecting with loved ones. At least this month we did not really spend a lot like we didContinue reading “August 2020 Financial Update:”

July 2020 Financial Update:

Hello all, this month we spent a lot of money on various things for our house. We got a patio added on ($1,800), our ducts professionally cleaned ($650), and refinanced our mortgage! We went from a 30-year fixed rate mortgage with 4.75% interest to a 15-year fixed rate mortgage with 3.125% interest! Our mortgage paymentContinue reading “July 2020 Financial Update:”

June 2020 Financial Update:

Hello all, hope you are all doing well considering the current state of our world. Here is our June 2020 Financial Update: Our Goal Financial Independence Numbers: $900,000 Invested to cover beyond our Living Expenses. $150,000 In Savings for Market Crashes or Emergencies. An HSA we are Maxing out every year while working for MedicalContinue reading “June 2020 Financial Update:”

Becoming Obsessed with Finance so Young:

I have been asked this question a couple of times by other adults in my life. I figured I should write out my response because it is a little complicated and I believe there are many contributing factors as to why I am obsessed with being financially “ahead” (I also think it is an interestingContinue reading “Becoming Obsessed with Finance so Young:”

May 2020 Financial Update:

Welcome to the first Official Financial Update Blog Post. To start, as someone who lives in Minnesota, I cannot ignore the obvious injustices that are happening in the U.S. right now. I am not going to go in depth because this is a finance blog, but I have been extremely active in expressing my opinionContinue reading “May 2020 Financial Update:”

How to Prepare for a Market Crash:

Market Crashes/Corrections are a fact of life and are necessary for a healthy economy. We need to expect that they will happen eventually and unexpectedly, so we need to be as prepared as we can. Emergency Fund: I have emphasized the importance of an emergency fund in some of my other posts, but I amContinue reading “How to Prepare for a Market Crash:”

How to get Financially ahead in your Late Teens/Early Twenties:

Automatically Save and Invest Every Month (Even if it is a small amount!): Banks let you set up automatic transfers to savings accounts in any amount, you can even choose what day of the month you prefer so that it works well with your pay schedule. The key is to get in the habit ofContinue reading “How to get Financially ahead in your Late Teens/Early Twenties:”

What to do Financially about Coronavirus:

We are all currently going through a weird, crazy, stressful time for many varying reasons. Now is not the time to panic and drastically change how we are approaching our finances. I personally am continuing to act as I did before, but maybe invest more than usual because prices are lower. I personally do notContinue reading “What to do Financially about Coronavirus:”