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:
Julia
How old are you?
29
Where do you live? City and State (or Country if outside the U.S.)
Annapolis, MD
What is your highest level of education?
Bachelor’s
Are you single or married?
Single hopefully engaged soon 🙂
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?
1522
Has Covid-19 impacted you financially in any way?
Yes I was furloughed for 4 months
What is your current occupation? If not currently employed, please say “Not Employed”
Regional Sales Manager
What is your yearly salary (or approximate yearly compensation) for your current occupation?
Base salary of 68k but I’ve made 135k to 189k the last 4 years with bonuses
If you are currently employed, do you like your job? Why or why not?
Yes gives me the freedom to grow the business and in turn paid well for my efforts
Do you have a second job or side hustle? If Yes, please explain.
I sell things on Facebook market place and Poshmark from time to time.
If you have a second job or side hustle, about how much money do you make monthly from your second job / side hustle?
50-250 a month on average
Do you budget on a consistent basis? If so, please explain how you currently budget:
Yes I’ve followed the Dave Ramsey plan for years.
Are you debt-free?
Yes
If you are debt free, how much debt have you paid off and how long did it take you to pay it all off?
38k in student loans. I lived with family rent free for 2 years after college and paid them off.
Do you have any student loan debt currently?
No
If yes, about how much student loan debt do you have?
N/A
What is your monthly student loan payment amount?
N/A
Do you have any credit card debt?
No
If Yes, about how much credit card debt do you have currently?
N/A
Do you have any other kinds of debt? If Yes, please explain:
Just mortgage debt planning on paying off my house in the next 3-4 years
Do you know what your credit score is?
Yes
If Yes, what is your credit score?
795
Are you currently saving for retirement?
Yes
If yes, about how much do you have saved for retirement?
145k
What does an ideal retirement look like for you?
Spending time on the Chesapeake bay in a cruiser we can sleep on. Extra time spent with family and friends.
What’s your biggest purchase of 2020?
I bought a boat in 2019 so nothing in 2020!
Biggest purchase of your life?
My condo
What do you spend money on that brings you joy?
What are your short term money goals, if any? ( < 1 year)
Currently saving for a wedding
What are your long term money goals, if any? ( > 1 year)
Paying off my condo in the next few years and turning it into a rental
What is your #1 financial concern right now?
The economy
What financial victory/success are you most proud of?
Paying off my student loans and Buying a house at 25
Anything we didn’t ask about you that you want to include?
My parents lost everything when I was a teenager. I believe my relationship with money is from my experience in losing everything at an impactful age.
