It’s Per$onal #26 – Age 24, Waltham, MA

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:

Em

 

How old are you?

24

 

Where do you live?

Waltham, MA

 

What is your highest level of education?

Master’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?

$1100

 

Has Covid-19 impacted you financially in any way?

No

 

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

Auditor

 

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

60000

 

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

Sometimes – getting tired of the non stop late nights!

 

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

No

 

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

N/A

 

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

No I am terrible at budgeting – have tried to start 100 times

 

Are you debt-free?

No

 

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

N/A

 

Do you have any student loan debt currently?

Yes

 

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

48000

 

What is your monthly student loan payment amount?

495

 

Do you have any credit card debt?

Yes

 

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

8500

 

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

Car: 7000

 

Do you know what your credit score is?

Yes

 

If Yes, what is your credit score?

710

 

Are you currently saving for retirement?

Yes

 

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

10000

 

What does an ideal retirement look like for you?

Being able to travel and feel financially free to enjoy my time!

 

What’s your biggest purchase of 2020 so far?

A new phone

 

Biggest purchase of your life?

My car

 

What do you spend money on that brings you joy?

Going out to eat

 

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

Pay off my credit cards and car

 

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

Pay off student loans and start saving for a house

 

What is your #1 financial concern right now?

Paying off credit card debt

 

What financial victory/success are you most proud of?

Getting one credit card balance to 0!

 

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.

"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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