It’s Per$onal #32 – Age 26, Richmond, VA

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:

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?

 

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

 

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

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.