About

Why I started a blog:

I started this blog because I wanted a way to express myself and to share my financial journey.  It’s been long delayed due to feeling unsure about whether anybody would want to hear what I have to say and if this would be any “good”.  I was also afraid of not getting the acknowledgment and approval from what is said here.  However, when it comes down to it, I have to take that leap to find out and see where it goes from here.  I want a place to share my experience, knowledge, and struggles in personal finance in hopes that there might be others out there that can relate and hopefully glean from my mistakes and experience.

About my own personal finance journey:

Budgeting and personal finance have been an interest in my life ever since I finished college, got my first job out of college, and the student loan payments kicked in.  I started with Quicken which is a software developed by Intuit in order to have a quick way to import all my bank and credit card accounts into one place.  It was mainly to make sure all the transactions were expected and there weren’t any fraudulent balances.  I didn’t create a budget until I decided to quit my job in accounting and work in entertainment.  This really forced me to have enough saved up to live off of for a year.  Fortunately, I had my Quicken records to get a good average of my monthly expenses.  I used Excel to create my budget but I felt there was still more that I can do.  I also couldn’t make the connection in my mind of my monthly income and expenses to the current balance in my bank accounts.  For example, if I spend less than the income that came in that month, how is this connected to the current balance in my checking account?  After searching the internet for budgeting software, I discovered a website called Mint.  Mint is owned by Intuit, the same company that makes Quicken and it was free to use instead of paying for Quicken every few years.  I liked the fact that it had a mobile app so that I can see my budget on the go.  However, I wanted something more robust and a way to tie my budget to what I actually had in my bank accounts.  As a result, I discovered YNAB which stands for You Need A Budget.  It was a software a friend and his wife used that he absolutely loved.  I looked into the company and liked their philosophy of giving every single dollar a job.  I also liked the resources they have available to educate their users on how to budget effectively.  I took it for a test trial and signed on for a paid subscription.  This is a brief snapshot into my personal finance journey but I look forward to sharing more about my personal finance journey and what I’ve learned on my blog.

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