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The Lady

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The Lady in the Black
positivity, tax debt, planning, life goals, savings
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Long Beach, California, United States
Life stage:
SIK (Single Income, Kids)

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Latest Blog Posts

The other day I found myself enraged over a simple vocabulary issue. An advertisement touted the “savings” you’d get if you bought whatever BS they were selling. It got my ire up. Why aren’t there two different words for “savings” (discount) and “savings” (money set aside)? As someone actively trying to save while earning her money as a professional marketer, the dual meaning of “savings” is a sore spot. I ...
Posted: Jul 20 2017 @ 7:46 AM
Welcome to the inaugural post of The Lady in the Black’s Lady’s Room series dedicated to personal finances for women. While the conversations are not inherently feminine, they are decidedly female perspectives on matters of money, motherhood, matrimony, and other “m” words I can’t think right now. And in The Lady’s usual style, all questions are phrased within the context of “classy” and “sassy” to keep things really interesting. The Lady’s ...
Posted: Jul 12 2017 @ 6:38 AM
While The Lady in the Black has been able to successfully ditch credit card and personal debt, problems managing tax debt continue to plaque her. Today she is going “full monty” and offering full transparency to her tax situation. If you’ve been waiting for a well-endowed woman to strip it down naked, here’s your shot. Cue that funky beat, DJ. Let’s give it up for The Laaaaaddy. Angels never lie. The Flimsy ...
Posted: Jul 11 2017 @ 7:12 AM
Welcome to the second episode of The Lady in the Black’s series dedicated to financial literacy for children. Kids Talk is an entertaining and insightful series that explores how children perceive the value, use, and management of money. If you haven’t considered talking to your kids about money, you might be surprised at how much they have already picked up. Kids learn about the world around them in many different ways. ...
Posted: Jul 10 2017 @ 6:13 AM
Independence Day! A day to commemorate victory over adversity, freedom and, if you are a personal finance blogger, financial independence. This past July 4th started off so great–then I got bitch-slapped by life, liberty and pursuit of happiness. Sometimes a good smack is what I need to face reality–even if it really frickin’ smarts. The Lady’s Anti-Financial Independence Day What So Proudly We Hailed July 4, 2017 started like many other holiday vacation ...
Posted: Jul 06 2017 @ 8:37 AM
The miracle of technology allows you to conveniently manage your personal finances from your laptop or smartphones. However, with increasing concerns about the impact of online dependency, does an increased focus on your finances bring an increased risk of internet addiction? This was the question that hit me like a ton of bricks on the first evening of my vacation. Although I confirmed international roaming with my phone carrier, my cellular service ...
Posted: Jun 25 2017 @ 9:00 AM
In honor of Father’s Day, I wanted to pay tribute to my father and all that he taught me. Sadly, finances wouldn’t be on the list. In truth, my father was a bit hit-and-miss at money management. He was even worse with passing along any sense of financial literacy.  The Preface Before I go into details on the financial lessons I learned from my father, I should probably preface this post with ...
Posted: Jun 18 2017 @ 8:00 AM
So many of us never received an education about money management–and knowing how to talk to your kids about money can be confusing. But talking to your kids about money sets a foundation for financial literacy that lasts a lifetime. I decided interview my own kid about her understanding of and perspectives on money. Her answers are priceless. Before I launch into the interview, I want to preface by saying that ...
Posted: Jun 15 2017 @ 1:36 AM
If you are starting to take control of your finances, you need to commit to organization. No doubt. Get good and hitched. However, there’s something to be said for trusting your gut, spotting unexpected opportunities, and winging it. Enter spontaneity. Organization and I have kind of a unique relationship. Organization is pretty decent at keeping the house in order. I leave dishes in the sink too long and slack off on my ...
Posted: Jun 13 2017 @ 2:54 PM
For years, I was told to get organized. Apparently it was all I needed to control of the chaos that was my personal finances. One problem for many, including me, is they don’t exactly know what “organize your finances” means. Another problem is that the feelings of ignorance and frustration stops them in their tracks, paralyzing them from moving forward. Sure, not knowing how to organize your finances is a barrier ...
Posted: Jun 12 2017 @ 9:23 AM


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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