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The Exorbitant Cost of Having Children

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Ok, so I missed one very important reason for being childfree in my last post, and that’s the insane cost of having children. It’s alright though, I did it on purpose! The exorbitant cost of having children deserves it’s own post. Kids are expensive! I mean like, really, really super expensive!  According to the latest …

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Bougie Fire

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By now, most of you are familiar with the concept of FIRE and the various types: Lean FIRE, Barista FIRE, etc. (if you aren’t, you can read about it here). But I’ve decided that none of those definitions of FIRE really speak to me correctly. Therefore, I’m coining a new FIRE term: Bougie FIRE. Bougie …

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"Destroying my credit"

Destroying My Credit and Hurting Future Melanie

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I’ve been nostalgic lately, thinking about my past, my upbringing, and some of the wonderful financial decisions I made when I was a teenager. I’ve written about my middle class upbringing and about my stellar education on taxes. But there was one more area of my financial life that I really messed up when I …

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"lower middle class"

From Lower Middle Class to Financially Literate

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Sometimes people see a personal finance blogger striving for financial independence and think that we must have grown up with well-off or financially savvy parents. Well, that isn’t always the case. I’d classify my parents as lower middle class and let’s just say I didn’t learn any positive financial skills from them! I know that …

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"pay yourself first"

Pay Yourself First

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Pay yourself first is one of the first pieces of advice you will here from pretty much any financial advisor or finance blogger. It almost doesn’t even need to be said. Almost. Unfortunately, a majority of people in the United States don’t follow this tried and true advice. According to a recent survey of Consumer …

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