Should You Go On Vacation While You Have Debt?

[Hey guys! Today we have a guest post from Jennifer, a 27 year old worker-side lawyer at a legal aid clinic, in Toronto, Canada. You can find her discussing all things personal finance, including her student loan repayment journey, at her blog Jen On Money (which I love!). You can also catch up with her on [...]

Why My Brother Committed Suicide

In honor of National Suicide Prevention Awareness Month, my husband talked me into telling my older brother’s story. My brother took his life when I was 14.  17 years later, his loss still feels almost as devastating as it did the day he died. I can talk about almost any aspect of my childhood, the cult, [...]

How We Stack Up to ESI Money’s Brilliant Wealth Building Tips!

This weekend, I read again one of my favorite articles by ESI Money, who retired at 52 with a 3 million dollar net worth. I love his personal finance blog, but I particularly love the post above because it summarizes some brilliant but very simple tips for building wealth. I was curious to see how my husband and I [...]

Why I Wouldn’t Support National Student Loan Forgiveness

This Labor Day holiday weekend, we had a group of about 30 friends over for a potluck dinner and drinks at our house. After a lil’ wine (maybe too much), the conversation SOMEHOW got around to “should the government wipe out all student loan debt” (because that’s the sort of thing our adorkable group of friends [...]

Tiny House Dream or Nightmare?

So this post is nothing more than an attempt to solicit advice from anyone who has experience or an opinion on buying or building a tiny house. If you do, please share your thoughts on my extremely half-baked, hastily written idea below. I actually want to hear if or why it's a terrible idea, so any feedback is [...]

We paid off 62k of student loans in 6 weeks!!

Every two weeks, I’ll be posting a quick bi-weekly update on how our student loan debt payoff is progressing. That way, I’m more on the hook to keep on track with goals. If I'm slacking off, feel free to yell at me in the comments! I need the motivation ;o) Current loan status: When I started this blog 6 weeks [...]

Crush Your Goals by “Unlearning” Helplessness

My little sister is my hero. She's endured a ridiculous amount of pain in her life and experienced events that no one should ever have to go through. In spite of it all, she's truly the most positive, determined person that I've ever known. Whenever I have a big issue or problem, I find myself going [...]

Net Worth Goals till FIRE

Several people have asked (after reading about my background and financial goals) how I plan to retire in 14 years with 4 million, while still paying off a significant amount of student loan debt and a mortgage. To clarify, 4 million is what my husband and I both intend to retire on, and this amount [...]

Hell Yeah We Keep Our Money Separate When Married!

In the 5 years that my husband and I have been together, we’ve always agreed that keeping our finances separate made the most sense for our specific situation. Ever since date #3, we've known each other's whole financial back story, income and debt. Since we've been together, we've communicated openly and honestly about money, and we've trusted and consulted [...]

Bi-weekly Student Loan Payoff Update

This is a quick post to give a bi-weekly update on how our student loan debt payoff is progressing. When I started this blog under a month ago, my husband and I had a combined 156k in student loans. I had 111k, and he had 45k. We have no other debt besides our mortgage, which we're paying [...]

Camping the Grand Canyon on a Budget

My husband and I just came home from an amazing 4 night/5 day camping trip to the Grand Canyon in Arizona. The trip was really an anniversary celebration to mark 5 years together. Camping is one of our favorite ways to vacation while on a budget. There are TONS of campground options at state and [...]

How we slashed our Grocery bill by 75% in July

Toward the end of June, my husband and I finally got serious about how much money we were eating through each month – money which could go straight towards paying down our debt. We resolved to do whatever it took to slash our monthly food bill by at least 50%, without sacrificing the quality of [...]

What an exorcism at 12 taught me about money

If you read about my background, you know that I didn't exactly have a cookie-cutter childhood. If I wasn't posting to this blog anonymously, I would have sensored out the majority of details about how we grew up, because much of it is so bizarre. Since I am using a fake name, I am more comfortable sharing [...]

We’ve paid off 20k in Student Loans in July!!!!!!

So this is a short post to basically yell and scream with joy that we've successfully paid off 20k of loans this month!! This is WAYYYY more than we were expecting to have available to pay off for this month. A couple of things happened in July that helped increase our income significantly, most of which are [...]

30 powerful things you can do for someone experiencing homelessness

This post isn't personal finance related, but I came back from volunteering at a homeless shelter this morning in our town and need an outlet for my thoughts. Only my very close friends know that I spent almost 3 weeks homeless  about 6 weeks after I left the cult at age 14. My temporary housing situation [...]

How to Get Your Boss to Recognize & Reward Your Work

I’ll never forget my first annual performance review at my first full time job out of undergrad, before starting my masters. I was regularly putting in over 80 hour workweeks, taking on tons of new responsibilities on top of my regular workload, and getting noticed by my coworkers and clients on my strong work ethic and [...]

I have everything that I need

Earlier today I was packing for an upcoming 3 day business trip. I stopped in my tracks when I realized I’d just packed more for this trip compared to what I brought to the US as a 16 year old moving across the world to start a new life on my own. Yikes! My mind [...]

8 tips on how to ask for a raise

Last week, my boss agreed to give me an 11k raise, bringing my total compensation to 141k per year. See the full post here.  The next step in increasing our income was for my husband to get a raise of at least 10k as well. We have (what feels like) a crazy goal of paying [...]

I got a raise!  

Yesterday was a great day! I got home from my work trip to Salt Lake City, and had the anticipated conversation with my boss to ask for a raise. Salt Lake City Work Trip: My 3 day trip to Salt Lake City flew by. I absolutely loved the little bit that I got to see [...]

Why I help my siblings even though it hurts financially

My family (specifically my 6 siblings) have always been extremely important to me. We did not have the easiest childhood. I talked about my life growing up in a cult at a high level in my first blog post. Life was pretty painful for all of us. We are each other's main support system:  For the most part growing up, the [...]

Preparing for a Work Trip, Side Hustle Update, and Asking for a Raise!

Today's blog post will be short and sweet as I've already worked a 12 hour day, and I'm still not done with everything I have to do! Work Trip to Salt Lake City, Utah: I'm leaving tomorrow for a work trip to Salt Lake City, Utah, and there's a lot to prepare for the client before going. [...]

Hi, I’m Ava

Hi, I'm Ava - welcome to my blog! Full disclosure: I'm blogging under a fake name. The main reason for this is I'll be talking about very personal, sensitive topics about my life and my family. I would need to sensor much of what I post if I wasn't posting anonymously. I'm a 31 year old Consultant. I have [...]