My November 2020 Budget

My November 2020 Budget Hey reader, Scorpio season is finally here, as is a very eventful November. Like every year, this month brings my birthday, anniversary, and Thanksgiving. This year, it also means a presidential election and a no-spend month, not to mention that we're still in the thick of unrest, a pandemic, and virtual learning. There's a [...]

No-Spend November 2020: what it is & how I’m doing mine

No-Spend November 2020: what it is & how I’m doing mine Hey readers. Happy Monday! November is one of my favorite months, and it's just around the corner. I get to celebrate my birthday and my anniversary this month, as well as Thanksgiving, which is definitely in my top 3 favorite holidays. It's also the month when money nerds around the world participate in no-spend [...]

COVID-19 & My Money

COVID-19 & My Money

This moment in our history has felt so surreal. To me, it has re-emphasized, on a very emotional and visceral level, the importance of understanding and having control of my money. This month, March 2020, marks one year since I (kind of) became debt-free. This is also the month, this year, where I finally completed [...]

Money + Love: 3 Ways Money Affects My Relationship

Photo by Roman Kraft via I recently attended an event by The Financial Diet called Money + Love, where panelists (including Tasha from One Big Happy Life, Erin aka Broke Millennial, business owner Ryan Houlihan, and TFD's own Annie and Chelsea) discussed topics relating to the intersection of money and love, all from vastly different [...]

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

Photo by Brooke Lark via 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 [...]

I Finally Calculated My Retirement Number and the Result Shocked Me

Photo by Erick Palacio via 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 [...]