Should You File Bankruptcy? An Honest Answer From Someone Who Did It Twice
I have filed bankruptcy twice. Chapter 7 as a young adult and Chapter 13 later in life. Here is the honest conversation nobody has with you before you decide, so you can walk away knowing whether the answer is yes or no.
How to Build a Yes Fund for the Life You Actually Want
Not every savings goal has to be responsible. I have a dedicated spending account called my SPEND account and it is one of the best financial decisions I have made. It is money set aside specifically for the things that make life feel like the one I actually want. Here is what a Yes Fund is, why you need one, and how to build yours.
The Rich Girl Money Date: My Monthly Financial Check-In Ritual
Rich girls do not avoid their money. They date it. Every Sunday I sit down with my accounts, my trackers, and my planner and I spend intentional time with my finances. No rushing, no guilt, no dread. Just me, my numbers, and a clear picture of where I stand. Here is exactly how my money date works and how you can build your own.
Sinking Funds: The Budgeting System Nobody Taught You
Chile, let me tell you about the year I cried over a car repair. The check engine light came on in October. The mechanic told me $400 — money I had earmarked for Christmas. I sat in the parking lot afterwards and cried, because I had known the car was making a weird sound for months. I had known the holidays were coming. Sinking funds are the budgeting system nobody taught us — the one that turns 'big surprise expenses' into a non-event. Here are the 10 sinking funds every rich girl needs, the simplest setup, and how to start with just three.
The 'Would I Pay Cash For This?' Test: My Petty Little Rule for Big Purchases
I joined a vacation club. Yes, me — the same woman always preaching about not getting talked into stuff. I sat through the pitch, did the math, signed the paper. And I'm not mad about it. The only reason I'm not mad? One petty little question I now ask myself before every big purchase: would I pay cash for this, today, in twenties, out of my actual wallet? It's the rule that's saved me thousands on the no's and given me peace on the yes's.