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.
Name:
C
How old are you?
26
Where do you live?
Richmond, VA
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?
N/A
Do you have any children or dependents? If yes, please explain.
No
What is your total monthly rent / mortgage for your household?
850
Has Covid-19 impacted you financially in any way?
No
What is your current occupation? If not currently employed, please say “Not Employed”
Nanny
What is your yearly salary (or approximate yearly compensation) for your current occupation?
50k
If you are currently employed, do you like your job? Why or why not?
Yes, love my job
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:
I used ynab but I don’t always stick to my budgets
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?
Not debt free
Do you have any student loan debt currently?
No
If yes, about how much student loan debt do you have?
0
What is your monthly student loan payment amount?
0
Do you have any credit card debt?
Yes
If Yes, about how much credit card debt do you have currently?
$16k
Do you have any other kinds of debt? If Yes, please explain:
My car has about $5k left
Do you know what your credit score is?
Yes
If Yes, what is your credit score?
675
Are you currently saving for retirement?
No
If yes, about how much do you have saved for retirement?
0
What does an ideal retirement look like for you?
Retirement would be having money to purchase small wants without planning and being able to travel
What’s your biggest purchase of 2020 so far?
Moved into my own apartment, not a purchase but a big expense
Biggest purchase of your life?
My car
What do you spend money on that brings you joy?
I spend a lot on food. Before Covid I spent a lot on going out with friends
What are your short term money goals, if any? ( < 1 year)
I would like to pay off my car and then start paying off my credit cards
What are your long term money goals, if any? ( > 1 year)
Be debt free and have an emergency fund then start saving for a house
What is your #1 financial concern right now?
Credit card debt
What financial victory/success are you most proud of?
I chose an apartment I could afford comfortably
Anything we didn’t ask about you that you want to include?
N/A
