The single person’s guide to a Costco membership

Is it worth paying for a Costco membership? That’s a question I’ve heard asked a lot in the personal finance sphere, and it’s one I mulled over for quite a while myself.

I grew up watching my mother shop and cook for five people (um yes, my parents are Costco members), and I’ll be the first to admit that it took me a very long time to figure out how to grocery shop and cook for one after I graduated from dorm life to apartment life. As part of that transition, I suspected I was going to have to say goodbye to Costco for the foreseeable future, plus there wasn’t one close enough to me to justify going anyway. Continue reading “The single person’s guide to a Costco membership”

Getting away from a “someday” mentality

I have a plain white t-shirt that I’ve never worn; it’s sat in my drawer since I bought it two years ago, despite the fact that I already owned a perfectly good plain white t-shirt. Given the alarming rate at which white t-shirts tend to discolor, stain, and get grungy, it seems ridiculous to own two of these highly impractical items, but I bought the second one for “someday.” Continue reading “Getting away from a “someday” mentality”

How the hell do I get started?

As much as I talk a big talk about money and pretend I’ve got it all figured out (and if I could just get a damn 50% raise already I’d be good to go!), that’s not actually the case. Some days I’m internally screaming because while I’ve maybe started figuring out my shit, I feel like I’m sitting at the bottom of Mount Everest and financial independence is aaaallllllllll the way at the top. Y’all, I haven’t even done the math on how long it’s actually going to take to reach FI/climb the damn mountain because I’m afraid to. Continue reading “How the hell do I get started?”

It’s annual salary increase time so let’s talk money

So I got my annual salary increase letter today. This is the first time I’ve gotten one at my current place of employment and I stared at the envelope with a mix of nervousness, fear, and excitement for a few minutes before opening it (yes, okay, I’ll admit I indulged about 10 seconds’ worth of wild fantasies about what if it’s something huge like a 10% raise?!?). The verdict? A three percent increase. Okay, cool, that’s nice. I’ll take whatever increases I can get! And then I started wondering what the usual annual percentage increase is for cost-of-living adjustment. Is it 3%? Usually a bit less? I believe my increase at my previous place of employment was 2.5% (maybe less? Whatever, I was making $17.25 so whatever it was bumped me all the way up to something like $17.80), but that was there. What was I supposed to make of the 3% raise here? Continue reading “It’s annual salary increase time so let’s talk money”

How to save money on car insurance

No, it’s not to spend 15 minutes on the phone with Geico, although maybe that would save you money! Although fun fact: my parents have been with their car insurance company for ages. A few years ago just for fun my dad decided to call Geico to see if they could save him anything and the guy who answered was like “uh your rates are amazing. No, we can’t beat that.” So maybe calling won’t save you money after all! Anyway, my parents gifted me my mom’s old car about a year ago and I’m now on my third car insurance policy. I’ve learned a bit along the way about how to save money in that department and I thought I’d share, even if this information may be pretty straightforward and obvious to people. Continue reading “How to save money on car insurance”