It’s Per$onal #21 – Age 28, Harrisburg, PA

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.

its personal

Name:

Molly

 

How old are you?

28

 

Where do you live?

Harrisburg PA

 

What is your highest level of education?

Bachelor’s

 

Are you single or married?

Single

 

If you are married, do you and your spouse have joint or separate finances?

 

Do you have any children or dependents? If yes, please explain.

No

 

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

1150

 

Has Covid-19 impacted you financially in any way?

Couldn’t work at my second job for a few months

 

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

Data analyst

 

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

55-65k

 

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

No, very unfulfilling

 

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

I work part time at a restaurant

 

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

1000-1500

 

Do you budget on a consistent basis? If so, please explain how you currently budget:

Yes I use YNAB

 

Are you debt-free?

Yes

 

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

About 40k in 2.5 years

 

Do you have any student loan debt currently?

No

 

If yes, about how much student loan debt do you have?

N/A

 

What is your monthly student loan payment amount?

N/A

 

Do you have any credit card debt?

No

 

If Yes, about how much credit card debt do you have currently?

N/A

 

Do you have any other kinds of debt? If Yes, please explain:

No

 

Do you know what your credit score is?

Yes

 

If Yes, what is your credit score?

790 ish

 

Are you currently saving for retirement?

Yes

 

If yes, about how much do you have saved for retirement?

25k

 

What does an ideal retirement look like for you?

Paid off house, able to travel and still live frugally

 

What’s your biggest purchase of 2020 so far?

Some new furniture

 

Biggest purchase of your life?

My car

 

What do you spend money on that brings you joy?

Food, travel

 

What are your short term money goals, if any? ( < 1 year)

Find a new job, start a business, save for house down payment

 

What are your long term money goals, if any? ( > 1 year)

Early retirement maybe

 

What is your #1 financial concern right now?

Uncertainty about job prospects

 

What financial victory/success are you most proud of?

Paying off my car 2 years early and my student loans in 4 years

 

Anything we didn’t ask about you that you want to include?

N/A

 

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.

 

it's per$onal

 

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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. Learn more about Taylor here.

"It's Per$onal" is a super popular and anonymous blog series about the personal lives and finances of women all over the world. Check it out!

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