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Millennial Money Diaries
General Finance
Budgeting, Budget Tracking, Personal Finance, Financial Literacy, Career
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Net worth:
Oakland, California, United States
Life stage:
SINK (Single Income, No Kids)
IT / Software Engineer
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Latest Blog Posts

Think of the last time you spent money on something. A meal, a watch, toilet paper, an apartment. How did you come to justify paying what you ended up paying for it' Did you justify it at all' Did you begrudgingly pay more than you thought it was worth' Or did you high five yourself… Read More Question Your Values, Save Some Money The post Question Your Values, Save Some Money ...
Posted: Nov 14 2017 @ 11:26 AM
Investing is scary. Many of us don’t have the stomach to see market fluctuations, corrections, and worst of all…crashes. The 2008 Financial Crisis looms heavily in our minds. In 2008, I had just entered college, and I didn’t know a lick about investing. I didn’t even hear my parents talk about it much in relation to their retirement accounts. All I could see were frenzied headlines about banks going bankrupt, ...
Posted: Nov 07 2017 @ 11:30 AM
If you’ve been following this blog for a while and have read any of my Money Diaries, you’ll know I take Uber all the time. When I first moved from New York to San Francisco, the first thing I noticed was the difference in the availability of public transit. Unlike New York, the bus, rail, and subway systems in San Francisco have longer wait times, are further apart, and never ...
Posted: Oct 30 2017 @ 11:00 AM
Most of us have probably heard someone say “credit cards are evil”. We’ve heard people say credit card interest is dangerous. We’ve heard not paying off your credit card in full is a surefire way to spend added thousands for the privilege of spending money we don’t have. I hear stories of people in crazy amounts of credit card debt with balances I didn’t know were possible on a credit ...
Posted: Oct 27 2017 @ 11:30 AM
Monday 8:30 AM: Very tired from last night’s climbing adventure despite going to bed early-ish. No coffee shop, no blogging, just a whole lot of hitting the snooze button. $0 9:00 AM: Carpool into the city. $1 9:30 AM: Get into the city a bit early. End up grabbing a New Orlean’s Ice Coffee from Blue Bottle. $4.16 10:00 AM: Breakfast yogurt at work. $0 12:00 PM: Decide today I’m going to work out during ...
Posted: Oct 25 2017 @ 11:00 AM
Last week, I posted my story of how I moved to New York with less than $1000. While this was undoubtedly one of the least responsible decisions I’ve ever made, I learned and grew a lot. I wanted to get this post up last week, but there was honestly just so much to reflect on. Here is what I learned: You Can Still Save Without Steady Income, Just Start There was really ...
Posted: Oct 23 2017 @ 11:02 AM
I’ve never addressed the circumstances of my move to New York. I’ve rudely kept all you lovely readers waiting with my bare little NYC page in the menu above. I’ve avoided writing the story of how I moved to New York because it’s long winded. A lot happened. And not much of it makes sense even when I look back at it. A lot of financial unsavviness occurred. And for ...
Posted: Oct 18 2017 @ 11:30 AM
Monday 8:30 AM: Super tired this morning. I’ve been going to bed really late these days and the 1-2 hour bedtime change seriously makes a difference. No money diary this morning. $0 9:00 AM: Carpool into the city. We can smell the smoke from the California wildfires all the way from Oakland and SF. $1 10:00 AM: Breakfast at work. We’re in the middle of a giant office move so there hasn’t been that much ...
Posted: Oct 17 2017 @ 11:30 AM
Saving has never been a negative or restrictive thing in my mind. Even when I had very little money, I was happy to save even when it put a strain on my budget. Back when I was making $50k a year, I was saving 6% of my salary pre-tax for retirement and about 20-25% post-tax for emergencies. Now that I’m making more, I save about 14% of my salary pre-tax ...
Posted: Oct 11 2017 @ 11:30 AM
You’ve probably heard of the term “rebound”. I usually hear it in the context of relationships, or more specifically, the end of a relationship. When a relationship ends, there’s sort of this awkward adjustment period where your brain is highly alert to *what went wrong*. Whether you’re the dumper or the dumpee, you have a sense in your mind of things that could have been different before The End. Rebounding To ...
Posted: Oct 06 2017 @ 11:32 AM


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