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A Tale of Finances
Budgeting, Millennial
Start Year:

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Net worth:
D.C., United States
Life stage:
SINK (Single Income, No Kids)
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Latest Blog Posts

Spending Overview I’m keeping track of my spending to hopefully break the habit of going over budget. This week went well. I’m no longer in the red! I was actually really sick this week so not going outdoors helped. The weekly spend: Shopping: $46 Misc.: $1Health: $55Utilities:$91 I’m not counting the health and utility categories against myself (that’s why they’re greyed out). My utilities are relatively fixed and my healthcare expenses are reimbursed from my ...
Posted: Aug 22 2017 @ 2:15 AM
Spending Overview I’m keeping track of my spending to hopefully break the habit of going over budget. This week had fairly minimal spend: Food: $22 Shopping: $15 Misc.: $20 Admittedly I’m not including times that I ate out which totaled $55. This is due to my business trip earlier in the month in which I received a per diem. If I don’t spend all of my per diem during a trip I allow myself to ...
Posted: Aug 19 2017 @ 1:48 AM
The hunt is officially on! I’m looking for a condo, albeit much earlier than anticipated. So why the sudden change of heart? I really want to live in a 1 bedroom place. I hate living in a studio, especially since having a chronic illness means I spend a lot of time at home. I’m convinced that having only one room is not healthy in the long term. The average 1 bedroom in this city rents for ...
Posted: Aug 14 2017 @ 1:43 AM
Spending Overview Food: $18 Shopping: $160 Misc.: $2Health: $19 My goal is to spend $15 a day, on average, throughoutI the month of August. I am tracking my daily expenses, week by week, for at least the month of August. Technically Day 1 was in July  (as in July 31), but I think it’s simpler to work with a 7-day week from the start. I’m certainly not off to a stellar start, hopefully I can ...
Posted: Aug 07 2017 @ 5:49 PM
I haven’t been posting with much regularity due to poor health. Hopefully in August I’ll do more than one post. But at least July treated me well in the financial sense, which wasn’t a surprise given it was a three-paycheck month.  All of my account balances increased: Liquid Assets Jun-17 Jul-17 Change Cash & Checking $898 $1,000  +$102 Emergency Fund $3,154 $3,380  +$226 Short Term Savings $850 $1,125  +$275 Vanguard Fund  $300 $500 +$200 Illiquid Assets Jun-17 Jul-17 Change Brokerage $450  $460 +$10 Savings Bonds $1,904 $2,060  +$156 Retirement Jun-17 Jul-17 Change Roth IRA $16,117 $17,367  +$1,110 Traditional 401K $23,117  $26,171 +$3,054 Net Worth $46,181 $51,314 +$5,133 % Change 11.1% I love the months where my net worth increases by 10 percent or ...
Posted: Aug 01 2017 @ 1:18 PM
Ahh June! I finally received some much needed reimbursements which made for a smooth month. Liquid Assets May-17 Jun-17 Change Cash & Checking $528 $898  +$370 Emergency Fund $3,065 $3,154  +$89 Short Term Savings  $750 $850  +$100 Vanguard Fund  $250 $300 +$50 Illiquid Assets May-17 Jun-17 Change Brokerage $447  $450 +$3 Savings Bonds $1,800 $1,904  +$104 Retirement May-17 Jun-17 Change Roth IRA $15,754 $16,117  +$363 Traditional 401K $21,136  $23,117 +$1,981 Net Worth $43,730 $46,181 +$2,451 % Change +5.6% I  continue to push towards the finish line of several goals. Goal Progress: Fund/Goal Contrib. Total  Goal Progress 401K $1,476 $8,422 $18,000 46.7% Roth IRA $330 $3,030 $5,500 55.1% Emergency Fund $122 $4,985 $5,500 90.1% Vanguard Fund $61 $300 $3,000 10.0% Vacation* $100 $850 $1,000 85.0% All in all I’m doing well for being halfway through 2017.  I also officially met my 2nd quarter goal of having $6,750 in assets outside of my retirement accounts. The only goal ...
Posted: Jul 02 2017 @ 8:33 AM
I started out the month of May thinking I’d run into cash flow problems because I’m still waiting on reimbursements. My checking account balance got uncomfortably low. Admittedly, the problem could be solved by moving money across accounts, but the point of being budget savvy is to avoid these types of situations. I’d also hate to lose progress  towards some of my goals. Fortunately I had some surprise earnings this month. This made for, yet another, boringly smooth month despite ...
Posted: Jun 01 2017 @ 10:04 PM
Never say never, I guess. I’ve somehow managed to have a side hustle practically fall into my lap. This side hustle is based on my professional area of expertise and I just couldn’t say no. My main fears about dedicating myself to a side hustle is that I won’t be able to consistently perform due to health reasons. So any side hustle that requires some sort of schedule is always out. ...
Posted: May 23 2017 @ 10:13 PM
I forgot to outline/project my second quarterly allocation goals for 2017! So here it is albeit 5 weeks late. Although I have a monthly budget and yearly end goals, I also like to plan my incoming paycheck allocations towards three broad categories: my Roth IRA, 401K and savings goals.  I do this to make sure that I’m meeting my goals on a quarterly basis despite slight deviations. These deviations may include changes in investment ...
Posted: May 14 2017 @ 6:08 AM
My vacation came and went smoother than expected. I had been padding my “Short Term Savings” account in the months prior in anticipation.  When I started saving for the trip, I failed to consider that I would not be buying the usual groceries and daily necessities whilst away home. This resulted in saving too much, which is not a bad thing. If I don’t count the extra day, the cost of ...
Posted: May 04 2017 @ 10:38 AM


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