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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

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
I’m back from my vacation to South America and I had a great time! I am documenting the vacation expenses this time around, which is something I regret not doing last year.   The one thing I love about South America is that it’s very affordable. During this trip the most I paid for a meal was $15. This was at an upscale formal-attire restaurant. In the US $15, may ...
Posted: Apr 22 2017 @ 12:44 AM
I haven’t been successful with the 9 no-spend days before my vacation. I ended up spending $82.74. I don’t plan on going anywhere else before my trip so that should be the end of the money leakage. Here’s how things went down: $2.85 – UPS – merchandise return $40.22 – Food  – work function and I also treated myself on numerous occasions. $6.67 – Target Item Subscription – I forgot to cancel this, but I would need it eventually. $33.00 – Credit Repayment – I’ve ...
Posted: Apr 09 2017 @ 9:37 PM
I have this horrible habit of throwing my budget to the wind when I notice that I’m falling off the wagon. I figure if I’m already screwing up, I might as well have a good time doing it.  March was one of those months. I went over my budget in several areas, and then I decided to stop tracking my budget altogether. All things being considered, things didn’t end nearly as horribly ...
Posted: Apr 01 2017 @ 3:34 PM
One thing that I promised myself after I earned my PhD was that I would never work harder than my body would allow. My health is very precarious. I have some pretty serious health issues that affect me daily. These conditions are potentially life threatening. Fatigue and pain are major components of my illness, and if I push myself too hard, it can lead to worsening health. Because of this, ...
Posted: Mar 11 2017 @ 11:41 PM
One thing that I didn’t do a good job of last year was keeping track of how much I was saving and spending month to month. Because of this, I was unable to determine my personal savings rate, or the percentage of income saved. I am now outlining my budgeted expenditures in all of my net worth […] ...
Posted: Mar 07 2017 @ 7:18 PM
It’s number time! Liquid Assets Jan-17 Feb-17 $ Change Cash & Savings $1,200 $1,425  +$225 Emergency Fund  $2501 $3,009  +$508 Short Term Savings $75 $300  +$225 Long Term Savings $43 $144  +$101 Other $303 $0 ($303) Illiquid Assets Jan-17 Feb-17 $ Change Brokerage $197  +$197 Savings Bonds $500 $1,315  +$815 Retirement Accts Jan-17 Feb-17 $ […] ...
Posted: Feb 28 2017 @ 10:07 PM


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