It’s Per$onal #110 – Age 24, Madison, WI

It’s Per$onal is an anonymous blog series designed to shed light on the intricate details of the personal finances and lifestyles of women.


What’s your name?

Kelly — check out Kelly on Instagram! — @kelly.a.ryan


How old are you?



Where do you live? City and State (or Country if outside the U.S.)

Madison, WI


Do you like where you currently live? Why or why not?

Yes. I love the city, the food, the landscape, the cost of living, the vibes


What is your highest level of education?



Are you single / in a relationship / married?

In a relationship


If you are in a relationship / married, do you and your partner have joint or separate finances?


Do you have any children / dependents?



Do you have any pets?

Yes, a 3 year old rescue dog


Do you find it easy or hard to make friends?

Hard! I moved here not knowing anyone and got on Bumble BFF but I’ve only made one friend from it


Do you have any hobbies? Please explain.

Crafting, taking photos, interior design


Has Covid-19 impacted you financially in any way?

In the beginning, I was furloughed from March 2020-May 2020. That sucked, but it didn’t impact me too much


About how much do you spend on groceries each week?



What is your total monthly rent / mortgage for your household?



What is your current occupation? If not currently employed, please say “Not Employed”



If you are currently employed, do you like your job? Why or why not?

I like my job, but it’s your typical retail/e-commerce corporate job. I’m just a cog in a wheel


What is your yearly salary (or approximate yearly compensation) for your current occupation?



Do you have a second job or side hustle? If Yes, please explain.

Yes, I am a brand ambassador for a local food delivery service


If you have a second job or side hustle, about how much money do you make monthly from your second job / side hustle?



Have you ever been promoted at work? Please elaborate if so.

Yes, I was promoted in May 2021 from Associate Copywriter to Copywriter. I also got a $7,000 a year salary increase along with the title change


Have you ever negotiated your salary?

Yes, I negotiated my salary increase when I was promoted


Are you debt-free?



If you are debt free, how much debt have you paid off and how long did it take you to pay it all off?



If you do have debt, what kinds of debt (i.e. credit cards, student loans, car) and how much debt do you have?

Credit cards and student loans


Are you currently investing for retirement?



If yes, about how much do you have invested for retirement?
What’s been your favorite purchase of 2022 so far?

Plane tickets to Miami for Spring Break


What’s one piece of advice you’d give to your younger self? (Doesn’t have to be money-related)

Chill out a little and live more in the moment


What are your money goals, if any?

I hope to pay off all my credit card debt within the next few months


What is your #1 financial concern right now?

Student loan repayment resuming


What financial victory/success are you most proud of?

I’ve saved over $15,000 since I started my job in July 2019


What makes you imperfect?

I am extremely emotional and wallow in my sadness often


It’s Per$onal is an anonymous blog series designed to shed light on the intricate details of the personal finances and lifestyles of women.


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About Taylor

About Taylor

A few years after graduating college, Taylor made it her mission to become debt free. After paying off all $60k of debt, she began to blog about what she's really passionate about: personal development. Nowadays, Taylor blogs about the topics of Mindset, Money, Health, and Career for women.