September 2018: I was NOT expecting this

I’m gonna be quite honest: September was a damn expensive month. How the hell did I manage to pull out not only a positive savings rate, but a halfway decent one? I honestly have no idea (although this is the power of including my 401(k) contributions in my income as well!).

I didn’t post much in September: I had four posts, three of which were for things that happened in August (CampFI and August’s spending report). And a lot of that is because that month saw a few big changes in my life that have occupied a fair amount of my time, including the resumption of weekly chorus rehearsals. Ah, sleep on Tuesday nights, I miss you dearly!

And of course I had FinCon at the end of the month! Continue reading “September 2018: I was NOT expecting this”

Personal finance for people with moderate incomes? Meet the Middletons

I make no secret of the fact that I don’t earn a ton and happen to live in an expensive city. In fact, that’s a huge part of the reason why I blog: I didn’t see anyone else blogging who had a similar background and story to mine. So I decided to start blogging to hold myself publicly accountable and to tell my story.

In amongst the six figure earners in the FIRE community (or honestly, even the people pulling in high five figures), it’s incredibly easy for me to feel like an impostor. I don’t think I’ve ever explicitly said so, but my last COL increase put me at just under $45,000. I’m lucky if I can reach a 40% savings rate most months, and I’m certainly not going to be financially independent before I’m 30, so who the hell do I think I am to be adding my voice to this space with my non-profit salary?? Often it seems like I am never actually going to reach financial independence.

But that’s why I’m documenting my journey, as a way to show people (AND myself!) that it is possible. It’s going to take time and lots of creativity both in terms of earning money and lifestyle design. But I believe it’s possible, and that in and of itself is reason to be writing and—dare I say it?—reaching for financial independence for myself.

When Gwen and J were interviewing me for FIRE Drill Podcast, they asked me if I had any resources or recommendations for people with lower incomes. And I blanked. I couldn’t think of anything terribly significant off the top of my head, even though I write as a person who makes a middle income. Why don’t I have any significant resources I can point people to? I ended up saying there’d be a project called The Money Middletons launching soon, so to keep an eye out for that.

Well, it’s happened: The Money Middletons launched today. Continue reading “Personal finance for people with moderate incomes? Meet the Middletons”

Breaking my clothes shopping ban two months early

I own a lot of clothes. For years I was a serial clothes-buyer, accumulating a piece or five here and there at a low-level but steady rate whenever the urge struck to get a flowy summer dress or an oversized comfy sweater (y’all, I’m fighting that urge HARD right now, now that it’s finally fall in DC) or a cute new scarf. And then, last November, I got sick of paying off those transactions on my credit card and I just…stopped. (Stopped buying clothes, that is, not stopped paying off my credit card!)

I didn’t even realize until earlier this year that I’d been on an unofficial clothes buying ban, at which point I decided to make it official for the remaining six months (or beyond) of the year.[*]

But I broke my ban and bought clothes in September, two months shy of a full year. I was so close to making it a year! Here’s why. Continue reading “Breaking my clothes shopping ban two months early”

A first-timer at FinCon18

FinCon18 (and, coincidentally, my last post) was almost three weeks ago at this point, so it seems a bit ridiculous to go into a long, detailed recap of what I spent and what I did each day. So I’m not going to (although it’ll be long anyway because that’s how I operate #verboseforlife). You can thank the fact that I’m STILL, an entire week later from when I realized I did not escape unscathed, recovering from some sort of crud I picked up at either FinCon or Disney, which meant I spent most of last week in bed (dear lord, can I just be better already??), for the extreme tardiness of this post 🤷‍♀️ Continue reading “A first-timer at FinCon18”

Adventures in decluttering, round one

Since January I’ve had a box in my room designated as the place to put things I’m getting rid of, and I’ve slowly been adding to it, one item at a time. And eventually that box got full. Hooray!

But said box then continued to sit in a corner of my room for months. I’ve mentioned it here multiple times, saying I need to empty it.

Why was that? One simple question. Continue reading “Adventures in decluttering, round one”

I went to money nerd camp, summer/Midwest edition

Surprise, it’s Friday! What gives with the ridiculous lack of posting lately, especially considering I’ve been in town and have had time to write? Well, I walked into the Apple store with a malfunctioning computer on Monday[*] and walked out without one. That is, I walked out without a computer, functioning or malfunctioning. Not sure how long it’ll be before I get my computer back with hopefully some new parts that means it works like it should, and in the meantime I’m learning just how many things I prefer to do on my laptop than on my phone. Continue reading “I went to money nerd camp, summer/Midwest edition”

Decluttering more than things

Hey, y’all. Long time, no post. I spent much of the last few weeks in an exhausted stupor post-Glacier and then post-CampFI Midwest (Military Dollar, I blame you for part of that since you were in town and making me be sociable right before the exhaustion of CampFI!).

And last week while I was recovering from CampFI, my personal life kinda…threw up on me. That has zero relevance to this blog (because good lord am I trying to keep my blog persona and my offline life from completely melding), other than that on a day I ostensibly should’ve been writing, I was dealing with some things instead.

I think it’s a sign of maturity that instead of trying to push out posts like I probably would’ve done in the past, lately I’ve recognized that some nights I just need to get the hell in bed more or less on time instead of forcing myself to unproductively stare at my cursor blinking at me while I struggle to write (and likely stay up too late without even being able to finish a post).

Or maybe it’s laziness. 🤷‍♀️

Either way, I haven’t written very much in this last month, and, as it turns out, that’s exactly what I’m talking about today. Continue reading “Decluttering more than things”

The elephant (snake?) in the room: fear, guilt, and excitement

In case you haven’t been able to tell from my social media or recent posts, I’ve been doing a lot of hiking lately.

There were the 16 miles I hiked solo two weekends ago. Last weekend I went with other people on Saturday, but alone again on Sunday. And let’s just say between trail conditions (SO MUCH MUD) and my brain, Sunday wasn’t exactly the must fun I’ve ever had out on the trail. Continue reading “The elephant (snake?) in the room: fear, guilt, and excitement”