August 2017 Budget Report

August 2017 Budget Report

My big budgetary consideration in August has been which gym to join. We’ve never paid for a gym membership before so it’s a big deal to us! My PCP “prescribed” me to start lifting heavy weights, which for us right now means a gym membership (working out at home is no longer sufficient!). At first, I thought I would work out in the mornings/evenings when Kyle can be home with DPR, but those are my most … Read entire article »

Recent Posts

My First Self-Employment Paycheck

August 21st, 2017 | Add a Comment

My First Self-Employment Paycheck

I have decided to start paying myself every single month. I’m going to get a paycheck! Well, not a paycheck, an auto-transfer from my business account to our personal accounts. But still. Regular money coming in.     Here’s how things have been running so far: I let my business income build up in my business account and sporadically take distributions from it … Read entire article »

Why I Still Side Hustle Even though I’m Self-Employed

August 9th, 2017 | 6 Comments

Why I Still Side Hustle Even though I’m Self-Employed

I’m a solopreneur; I inspire and empower stipend-receiving grad students and postdocs to make the most of their money through speaking engagements at universities, online resources, and (coming soon!) coaching services. This is my passion business that grew out of my own experiences with personal finance while I was in graduate school.   But I also have a side hustle: I’m a … Read entire article »

July 2017 Budget Report

August 4th, 2017 | 7 Comments

July 2017 Budget Report

Holy smokes, we overspent our budget this month! Luckily, we weren’t scheduled to contribute a whole lot to our targeted savings accounts this month, or the damage would have been a lot worse.   1) Our monthly rent increased by $100 and we also decided to go month-to-month to the tune of an extra $50/month. Kyle’s job is slated to move locations … Read entire article »

Reflections on The One-Page Financial Plan

July 26th, 2017 | Add a Comment

Reflections on The One-Page Financial Plan

I recently read The One-Page Financial Plan: A Simple Way to Be Smart about Your Money by Carl Richards (affiliate link – thanks for using!). It’s a quick read (I think it took me approximately 3 hours total) and liberally sprinkled with the delightful sketches that Carl Richards is known for.   The purpose of the book is to walk the reader … Read entire article »

An Unexpected Benefit of an Almost Non-Existent Commute

July 19th, 2017 | Add a Comment

An Unexpected Benefit of an Almost Non-Existent Commute

When Kyle and I moved to Seattle, we decided where to live based on proximity to Kyle’s workplace. (I work out of our apartment when I’m not traveling.) Luckily for us, his workplace is adjacent to a residential area, and we secured an apartment just 0.2 miles away. Kyle walks all of three minutes to and from work.   This is awesome … Read entire article »

June 2017 Budget Report

June 30th, 2017 | 2 Comments

June 2017 Budget Report

June struck me as a very simple month for us, financially. Nearly all of our variable spending was on groceries. We only bought gas once. We didn’t eat out at all. We only bought four items from Amazon, which is pretty low these days! We were fairly busy around town attending birthday parties and going to the zoo, but didn’t … Read entire article »

Un-Frugal Cloth Diapering Pitfalls to Avoid

June 19th, 2017 | 4 Comments

Un-Frugal Cloth Diapering Pitfalls to Avoid

I thought cloth diapering was an inherently frugal activity, but my eyes have been opened. For some people, cloth diapering might be even more expensive than disposable diapering! But if you avoid just a few pitfalls, cloth diapering will remain a frugal strategy.   The cost of disposable diapers are pretty much all up front: the retail cost of the diapers. Frugality … Read entire article »

W-4 Calculations Don’t Have to Be a Black Box

June 12th, 2017 | 6 Comments

W-4 Calculations Don’t Have to Be a Black Box

I admit I’ve been a quite confused by W-4 forms for a few years now. In the perennial debate over whether it’s better to get a tax refund or pay additional tax on April 15, my preference is to the smallest refund or owe the smallest amount possible. In the past several years, we’ve done pretty well hitting that nail … Read entire article »

May 2017 Budget Report

June 2nd, 2017 | 2 Comments

May 2017 Budget Report

If April was defined by our travels, May was defined by our houseguests. Several members of my family came to visit us on two occasions, which really seemed to take over our month. It was wonderful to have them around, though, and they had a ton of fun with DPR. We did end up overspending on groceries because we provided … Read entire article »