It’s Per$onal #76 – Age 29, Annapolis, MD

 

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:

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?

 

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?
My boyfriend and I love being on the water so we spend a lot on the boat and gas etc

 

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.

 

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

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.

"It's Per$onal" is a super popular and anonymous blog series about the personal lives and finances of women all over the world. Check it out!

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