Yearly Spending Breakdown: This Year vs. Last Year (With Graphs)

Photo by Brooke Lark via Unsplash.com If you follow me on Instagram (which you should if you'll get value from it: @wrachelwrites), you've seen these graphs which break down my yearly spending by percentage. I added up exactly what I spent last year (thanks to my budget records, this was easy to do), and made [...]

A Small Savings Hack that Helps Me Save Slowly Without Thinking

Photo by Katie Harp via Unsplash.com Disclaimer: This post contains a promo code for a savings app. I've been mulling over writing this, because it's made me feel a bit icky (I would clearly benefit from it monetarily) and the last thing I want to do is come off as self-serving or inauthentic to my [...]

I Finally Calculated My Retirement Number and the Result Shocked Me

Photo by Erick Palacio via Unsplash.com I've been focused on being in control of my finances month-to-month, but I've put off thinking about a longer-term goal: my (early) retirement. Don't get me wrong, I know exactly how much I want to be investing each month once I get my emergency fund fully built, and I even [...]

The Simple Trick I Used to Rehab my Spending After a Month of Splurging

Photo by Bianca Castillo via Unsplash.com May was a rough month for me financially, and it left me feeling overwhelmed, as I discussed in my previous post. There were bumps in the road that were out of my control, but also a lot of small poor choices I made around my money. As I talk about [...]

On Anxiety, Time, and Social Media: An Experiment in Digital Minimalism

Photo by Viktor Talashuk via Unsplash.com I am addicted to my phone. Maybe this is not such a hot take, but I have been observing lately that it feels like everyone around me is addicted to their's, too, in a way that is (mostly) highly functional and completely socially acceptable.  Truthfully, I'm the first person [...]

My May Budget

Photo by neONBRAND via Unsplash.com Hey Team, I have to admit that I felt very reluctant to write this post for a number of reasons. Firstly, I decided to entirely pause contributions to my 457 in favor of saving for some midterm goals. For some reason, I feel guilty about this. I think it's because [...]