It’s Per$onal #40 – Age 29, San Diego, CA

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:

Heather

 

How old are you?

29

 

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

San Diego, CA

 

What is your highest level of education?

Doctorate

 

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?

600.00

 

Has Covid-19 impacted you financially in any way?

No

 

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

Paralegal – J.D.

 

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

$60,000

 

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

It’s okay for now

 

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:

Yes, monthly using an app

 

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?

$148,267

 

What is your monthly student loan payment amount?

162

 

Do you have any credit card debt?

Yes

 

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

$15,614

 

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

Car – $5,260

 

Do you know what your credit score is?

Yes

 

If Yes, what is your credit score?

651

 

Are you currently saving for retirement?

Yes

 

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

$9,000

 

What does an ideal retirement look like for you?

N/A

 

What’s your biggest purchase of 2020 so far?

Car maintenance – Tires/Brakes/Rotors

 

Biggest purchase of your life?

Car

 

What do you spend money on that brings you joy?

Food/Groceries, I love to cook! & My dogs.

 

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

Pay off 2 credit cards and maintain $3,000 emergency fund

 

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

Be credit card and student loan debt free, then buy a house and invest/save for retirement

 

What is your #1 financial concern right now?

Paying off debt as fast as possible

 

What financial victory/success are you most proud of?

Maintaining an emergency fund to avoid accruing more debt, and paying off one credit card so far.

 

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

Just getting started on my debt free journey as of 2/11/2020

 

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.