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.
How old are you?
Where do you live? City and State (or Country if outside the U.S.)
Kansas City, Kansas
What is your highest level of education?
Are you single or married?
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.
9 month old son
What is your total monthly rent / mortgage for your household?
Has Covid-19 impacted you financially in any way?
What is your current occupation? If not currently employed, please say “Not Employed”
What is your yearly salary (or approximate yearly compensation) for your current occupation?
If you are currently employed, do you like your job? Why or why not?
Yes. Flexibility to bring my son to work with me and save on daycare costs.
Do you have a second job or side hustle? If Yes, please explain.
I mostly make cakes and desserts in the side but also do surveys, dog sitting, house cleaning, and field agent app
If you have a second job or side hustle, about how much money do you make monthly from your second job / side hustle?
100-200 ish give or take
Do you budget on a consistent basis? If so, please explain how you currently budget:
Zero based mostly
Are you debt-free?
If you are debt free, how much debt have you paid off and how long did it take you to pay it all off?
Do you have any student loan debt currently?
If yes, about how much student loan debt do you have?
What is your monthly student loan payment amount?
Do you have any credit card debt?
If Yes, about how much credit card debt do you have currently?
Do you have any other kinds of debt? If Yes, please explain:
Car loan, mattress loan, bathroom remodel loan
Do you know what your credit score is?
If Yes, what is your credit score?
Are you currently saving for retirement?
If yes, about how much do you have saved for retirement?
What does an ideal retirement look like for you?
What’s your biggest purchase of 2020 so far?
Biggest purchase of your life?
What do you spend money on that brings you joy?
Food and jewelry
What are your short term money goals, if any? ( < 1 year)
Increase savings and pay down car loan
What are your long term money goals, if any? ( > 1 year)
Purchase our forever home with huge down payment in cash
What is your #1 financial concern right now?
Never being able to get ahead
What financial victory/success are you most proud of?
Paying off the thousands we’ve already paid off
Anything we didn’t ask about you that you want to include?
Knocked out a looooot of medical bills too!