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Millennial Money Diaries
General Finance
Budgeting, Budget Tracking, Personal Finance, Financial Literacy, Career
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Blogger Bio

Net worth:
Oakland, California, United States
Life stage:
SINK (Single Income, No Kids)
IT / Software Engineer

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Latest Blog Posts

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 was a college student, I couldn’t imagine paying money for the sake of getting work done. ...
Posted: Jul 21 2017 @ 11:30 AM
Monday 7:30 AM: Work at cafe. I ask for iced coffee but they charge the cold brew price… $3.50 9:00 AM: Carpool into the city. Our driver is super nice and doesn’t accept donation. $0 10:00 AM: Breakfast bar for breakfast. $0 2:30 PM: Lunch for the whole week 50% off at the deli. $12.84 4:00 PM: We’re out of toilet paper, so I order some on Amazon…the only order of prime day! $22.56 7:00 PM: ...
Posted: Jul 17 2017 @ 12:22 PM
Say whaaaaat? You trippinn. In the online finance community, we talk a lot about these two little words “compound interest”. We know that compound interest is essential in growing our money. But what we really mean is, compounding is essential in growing our money. Not every financial product earns compound interest. Not many financial products can earn interest at all. Most investments don’t earn compound interest. I say most because there are ways ...
Posted: Jul 14 2017 @ 11:00 AM
Because of the 4 day weekend and July 4th and friends visiting + a birthday, it was a indulgent week to say the least! Monday 8 AM: Yay! 4 day weekend! But I still have to wake up a bit early to get June Week 5 Money Diary up and running! Somehow I ended up with a June Week 5 even though June is a short month. Working from my bed and ...
Posted: Jul 11 2017 @ 11:30 AM
Monday 8:00 AM: Get up a bit late, my boyfriend brought back coffee after his morning run. $3 9:00 AM: Boyfriend is running late for a meeting so we have to uber pool to the BART. $3.60 10:00 AM: Oatmeal bar at work. $0 2:00 PM: Get some rice from the deli for lunch to go with my weekend three cup preserved egg. Still so delicious!! $2.81 5:30 PM: BART over to Oakland Chinatown. I’m grabbing dinner with ...
Posted: Jul 03 2017 @ 11:30 AM
The more I blog about personal finance, the more I realize just how many basic finance facts I take for granted. I realized just how much I don’t know about financial products. The more I blog, the more I realize I understand 100% of the negative consequences of certain financial decisions and how to avoid/minimize them, but I only understand 50% of the underlying financial product and concepts working for/against ...
Posted: Jun 30 2017 @ 11:30 AM
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 planted in my brain via the personal finance blogosphere. Finally one day a couple weeks ago, ...
Posted: Jun 28 2017 @ 11:30 AM
Monday 7:00 AM: Walk over to a cafe further from the apartment since our standard spot is closed on Mondays. $3 9:30 AM: Carpool into the city. $1 10:00 AM: Yogurt for breakfast! It’s actually much easier than cereal since I usually eat cereal in the cafeteria but I can eat yogurt at my desk. $0 1:00 PM: Lunch leftovers from last Friday! $0 3:00 PM: Discovered I was charged for my actual first month ...
Posted: Jun 26 2017 @ 11:30 AM
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 would all be budget masters who would point at something we want and say yes or no! We ...
Posted: Jun 23 2017 @ 11:30 AM
You know what they say…Moms know best. And seriously, my mother is probably one of the most frugal people I know. My parents have improved their economic situation so much since I was growing up, so I think they’ve loosened the reigns a bit on the frugality, but when they were trying to get ahead, every penny counted! 1. Reuse Everything! My parents reused EVERYTHING growing up. They reused paper towels, saran ...
Posted: Jun 21 2017 @ 11:30 AM


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