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:
India W.
How old are you?
30
Where do you live? City and State (or Country if outside the U.S.)
Brooklyn, NY
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.
None
What is your total monthly rent / mortgage for your household?
300
Has Covid-19 impacted you financially in any way?
Yes, my job was closed for 3-4 months completely.
What is your current occupation? If not currently employed, please say “Not Employed”
Hairstylist
What is your yearly salary (or approximate yearly compensation) for your current occupation?
50,000
If you are currently employed, do you like your job? Why or why not?
Yes, I like my job. Like every job, it has its ups and downs.
Do you have a second job or side hustle? If Yes, please explain.
Sometimes is freelance hairstyling, and babysitting for a few families.
If you have a second job or side hustle, about how much money do you make monthly from your second job / side hustle?
Varies. Sometimes it can be $200/month or even $500/month.
Do you budget on a consistent basis? If so, please explain how you currently budget:
I try to! My income varies week to week so I find it so hard to budget. Work in progress!! lol
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?
70k
What is your monthly student loan payment amount?
100
Do you have any credit card debt?
Yes
If Yes, about how much credit card debt do you have currently?
$600
Do you have any other kinds of debt? If Yes, please explain:
Small Business loan of $15k. Not due to start repayment until 2021
Do you know what your credit score is?
Yes
If Yes, what is your credit score?
678
Are you currently saving for retirement?
No
If yes, about how much do you have saved for retirement?
N/A
What does an ideal retirement look like for you?
Free to travel, not worrying about debt. DEBT FREE COMPLETELY
What’s your biggest purchase of 2020?
MacBook Pro
Biggest purchase of your life?
My car, which is paid off.
What do you spend money on that brings you joy?
FOOD, or travel
What are your short term money goals, if any? ( < 1 year)
Grow my savings to $15k, invest
What are your long term money goals, if any? ( > 1 year)
What is your #1 financial concern right now?
Creating plan to pay off student loans
What financial victory/success are you most proud of?
Getting savings to $10k all by myself.
Anything we didn’t ask about you that you want to include?
N/A
