holiday cheer

It’s the most wonderful time of the year…to spread holiday cheer, drink peppermint mochas, look at beautiful lights, & pretend you’re living in a Hallmark holiday movie. Or is it? If you’re like me, the holidays can be bittersweet. On the one hand, you want to spend all of your money to buy all the things for all the loved ones in your life. On the other hand, you’re poor, and not only that, but also you’re spending 1/3 of your budget on debt repayment each month. So how do wannabe-Cindy-Lou-Whos spread holiday cheer without breaking the bank? Read on to find out. The SinkingRead More →

Because I’m a hostess at heart, and the boy and I now live together, I thought it only appropriate that we host a Friendsgiving this year. For the newbies out there, there’s no difference between Friendsgiving and Thanksgiving – except that Friendsgiving is for the family you pick (aww). The added bonus is that it lets you get your hosting desires out of the way if, like me, you’re from a family where the matriarchs refuse to pass the torch. Regardless of those hosting desires, you can’t let your need to be sociable get in the way of your financial goals. But, with a littleRead More →

financial check-up

***This is a Guest Post. <3 from the Dames*** People often start the new year begins with a ton of financial resolutions…but old habits are tough to break, especially when it comes to finances. So, it’s a wise idea to review your finances periodically and check-up on whether you are on track to meet those goals or not. While the middle of the year might be over (so long summer weather!), this is actually the ideal time to check if you’re on the right financial track. Think of it as the adult version of going back to school. If you’re in trouble, there’s still timeRead More →

live together

Continuing on with my theme of dramatic, life-changing events happening to me in 2017 (see here): I also moved in with my boyfriend. We moved back in March, so we’ve been living together for ~3 months or so. It wasn’t exactly a tough choice. We’ve been together since August of 2013, and we’ve been doing pseudo-long-distance (an hour apart) for the past two years, which basically means we’ve been living together every weekend for two years. In March, my boyfriend was moving back to my city, and with both of our leases ending at around the same time, we decided it only made sense toRead More →

moving

In the midst of everything else happening this year, my boyfriend and I recently moved in together. That’s right, we combined two households, including furniture, and guess what? We did the whole move in 2 days – day 1 for physically moving everything into our apartment & day 2 for unpacking/organizing everything. If moving brings up horrible memories of changing dorms or college apartments every year, well don’t fret, it doesn’t get any easier once you own actual furniture and/or live in a city where there’s no where to park a moving van. Moving is basically a frazzling, stressful and chaotic experience, and with so manyRead More →

financial emergency

Welcome to Part Five of a 6-part series I’m doing on personal loans, credit card debt, and refinancing – the Payoff Series. If you’re new here, go back and check out Part One, Part Two, Part Three, and Part Four! If you follow our Twitter, then you know I recently spent several hours getting some unexpected, but necessary, car repairs (boo) AND then I moved in with my boyfriend this month (yay). While it’s obviously important to maintain my car and moving in together will eventually be cheaper for me, these were two big purchases that I hadn’t planned for at the moment. This is why youRead More →

happiness

Hi friends, Just wanted to let y’all know that Dames in Debt was recently featured on The Pursuit of Happiness! We were part of their 2017 Happiness Day Interview Series! You can read our post here, just look for the Q&A headline. <3 from the Dames For more information on the 2017 Happiness Day Interview Series: My name is Wes, creator of thePursuitofHappiness.me.  I won’t bore you with the full details of the inspiration for the site.  To share a little bit though; growing up in America, I had always been taught about this nation’s founding documents and I heard all the time about the Declaration of Independence andRead More →

#finlit

As you guys know, I’ve been reading money books (#finlit) throughout my personal finance journey. I’ve found that reading personal finance books keeps my motivation up, plus there’s always more to learn. Recently, I finished Suze Orman’s The Money Book for the Young Fabulous and Broke – her book devoted to helping millenials/me. I haven’t read any of Ms. Orman’s other books, but this was definitely a good personal finance primer. It covers everything from how to get a job that will pay your bills to buying your first house. It also has whole sections devoted to your credit score, how your relationships can affectRead More →

groceries

Major grocery confession: I don’t do coupons. I don’t look for them, I don’t cut them out, and I certainly don’t remember to take them to the store. I also don’t buy in bulk but that’s mainly for storage reasons. I use coupons if and only if they are attached to the item I’m purchasing. Sad, I know – especially given my food budget woes. To make up for my lack of couponing & help stick to my 2017 financial goals, I’ve decided to start using two grocery apps, Ibotta and Checkout 51. Ibotta The first of the rebate apps, which covers all kinds of products,Read More →