How to Determine the Right Amount of Money for your Emergency Fund

Image by Sagar Rana via Unsplash.com Because of mostly watching clickbaity YouTube videos to learn about personal finance while I was in college, I used to believe that every adult should have a $10,000 emergency fund. Exactly $10,000. Every single person.  Naturally, it's more complex than that. But the advice still seemed to vary from [...]

Teacher Talk: Why I’m Working Over the Summer After My First Year Teaching

Photo by Roman Kraft via Unplash.com "You might not think you'll need the summer off after your first year of teaching, but trust me, you will." I received this well-meaning advice from a third-year teacher on a panel of new educators, and it made me feel pretty relieved. We all know teaching is demanding work, [...]

What am I Spending my Tax Refund On?

Photo by rawpixel via Unsplash.com Welcome back to tax season, people.  A few weeks back, I got a question from a reader who had just started trying to manage her finances: she wrote, "Since you plan for your budget with your monthly income, what do you spend the extra money from your tax refund on?" [...]

A NonMari Minimalist’s Honest Review of Tidying Up with Marie Kondo

Photo Credit: KonMari Media Inc. I have never read Marie Kondo's book The Life-Changing Magic of Tidying Up. This didn't stop me from binge-watching the show, as I'm a sucker for decluttering videos. I liked the positive tone of the show and, of course, loved how Marie's personality brought life to her ideas. Once I [...]

Did I Stay Dry in January?

Photo by Wu Yi via Unsplash.com As the month ends, I'm on my usual routine: editing my next month's budget, looking over my bills, and paying rent. This month, there's a new item on my list: reflecting on my experience with #DryJanuary. How I did, how being sober affected me (and my budget), and whether [...]