Last Christmas vs This Christmas

I hate turning on the radio after Thanksgiving every year. Without fail damn near every station is playing Christmas music. "Rocking Around the Christmas Tree" makes my ears bleed. "A Holly Jolly Christmas" induces digestive pyrotechnics. "I Saw Mommy Kissing Santa Claus" makes me want to end it all. I swear I am not a … Continue reading Last Christmas vs This Christmas

Choose Wisely – Budgeting The Last Paycheck Before Unemployment

I have three more full paychecks coming my way before my employer and I part ways in November. After those I will receive a final check for a partial pay period, cashed out vacation, and severance, which will need to take me through the end of the year. Normally my income is variable, the bulk … Continue reading Choose Wisely – Budgeting The Last Paycheck Before Unemployment

Cheaper To Keep Her? Should I Refinance My Student Loan?

As of today I have $31,341.30 in student loan debt. Like most people in the throes of paying off their loans, I want it to go away. Yesterday. Every month when that Mohela notification shows up in my inbox I just want to I will readily admit that my debt burden is light. I have … Continue reading Cheaper To Keep Her? Should I Refinance My Student Loan?

Vacation Penny Pinching – Post Mortem

My trip back home was lovely! Thank you for asking. I split my time between Brooklyn and upstate NY, hung out with my family, embarrassed my cousins at a high school football game, went to an art show, did an 80s workout, and told my childhood best friend to stop getting tax refunds. I even … Continue reading Vacation Penny Pinching – Post Mortem

Six Month Stretch – Making An Emergency Fund Last

One of the most common pieces of personal finance advice is to save three to six months of living expenses in case of an emergency like illness, job loss, accidents, or disasters. As many people know, it’s easier said than done. It can often take a couple of years to build that type of cash … Continue reading Six Month Stretch – Making An Emergency Fund Last