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Personal Finance

Personal Finance

Simple Collaborative Christmas Shopping List

December 15, 2016

This holiday season I wanted to make sure my husband and I kept close tabs on how much we were spending on Christmas gifts. With a lot of people on your shopping list, it gets really easy to overspend. I created a quick Christmas shopping list that both my husband and I could edit at the same time using Google Drive. It was important that he have a copy of the list…

Personal Finance

Own All the Latest Gadgets by “Renting”

December 9, 2016

Back in June of this year, I really wanted to get the new Kindle Oasis that came out. It was going to be even more expensive than the Kindle Voyage that I already dropped $315 on, but I really wanted it! I liked the new one-handed design and the battery that was built into the Kindle cover. I was able to exercise a little bit of self-control and didn’t buy the Oasis…

Career Personal Finance

Salary Negotiation Tips

March 15, 2016

I am really big on negotiating salaries. I once read that it’s the most money you’ll make in the shortest amount of time, and I strongly stand behind that. A 10-minute conversation can mean an extra ten thousand dollars in your pocket–cheesy but true. My Negotiating Journey I got my first opportunity to test my negotiating skills when I was 21 and first entering the corporate world. I had two job offers in…

Personal Finance

My Automated Personal Finance System

February 25, 2016

I hardly do any manual work or maintenance for my finances. Everything is pretty much automated, from paying bills to setting aside savings from every paycheck. I learned this system from a book called I Will Teach You To Be Rich, which sounds cheesy but is actually a really good book.     Our Automated System Explained Our income comes primarily from our paychecks. Other Income includes the schooling allowance I get because…

Personal Finance

A Simple and Lazy Investment Portfolio

February 12, 2016

I’m not an expert investor by any means, but I know enough to be able to build an incredibly simple but effective investment portfolio. My approach to investing is keeping things extremely minimal. I generally follow the Bogleheads approach to investing, which was pioneered by the retired CEO of Vanguard, John Bogle. We have just three exchange-traded funds that make up our investment portfolio: 1) a domestic stock fund, 2) an international stock fund,…

Personal Finance

Money Diary: What I Spent In a Week: February Week 1

February 7, 2016

Sunday 8:00 a.m.: I receive an email from my church saying my $25 weekly donation went through. 10:30 a.m.: Husband gases up the car at Costco. (-$32.24) 11:00 a.m.: I was being extra grouchy, so my husband and I headed to our favorite coffee shop (-$6). We got some (expensive) snacks because we were so hungry and we weren’t meeting our family for lunch until later in the afternoon (-$27.59). The husband got a cream puff for dessert (-$5). 2:00 p.m.: Seafood…