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 [...]

On Credit Cards

Photo by Code Mnml via Unsplash.com So, I've never talked about credit cards on my blog. I didn't even realize this until my friend wrote in for a Q & A, asking "Do you have a credit card, and if so, how do you use it?" I thought it warranted an entire post. In my [...]

5 Sustainable Switches for Less Than $20 (And Some That Actually Save You Money)

Photo by Victoria Strukovskaya via Unsplash.com Note: This post contains links to products. I am not sponsored by any of these companies. I am far from perfect when it comes to making sustainable choices. Even last year, I would use Ziploc bags for lunch everyday, in addition to a protein bar wrapped in waste. And a [...]