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An Introduction to My Financial Life

I first discovered personal finance blogging by reading Blogging Away Debt’s posts. Plus, this spring I took a personal finance course. It was mostly seniors, like me, who hoped that we’d be able to balance work, debt, and life after graduation.

I have no student loans or debt from college. My family and I worked hard for this. Dad paid some, my grandfather left me money for college, and I earned 4 scholarships. My husband, on the other hand, has been in school for about 9 years. He’s acquired a lot of debt, I know it’s over $100,000. He’s working on his PhD, so it makes sense, but that’s a lot of debt. Until I get a job, I don’t even want to think about it.

I don’t have a job. But I will. I’m searching and I’ve contracted with a placement agency. This Friday, I have an interview for something promising. If I get the job I’ll have time to look for something which I like even better. But I won’t have to worry about financial straits.

So far, things aren’t so bad for us. I have about $2000 in savings and another $2000 ish in checking. Our monthly rent is less than $750. I have a More-With-Less cookbook which has great recipes that don’t cost too much to make. But my husband is still finishing his PhD. He has a teaching post which should bring us between $7500 and $10,000 in the next 12 months. They don’t pay much for student lecturers. And he writes lots of articles–perhaps someone will pay him to publish one.

While the Personal Finance class taught me how to make budgets, I haven’t done that since we married. I don’t know what my income will be, all I know is that we’ll try to spend as little as possible. So we try for few extraneous expenses. I had to buy some business clothes last week and we spent about $14 on a date Sunday.

Goal is to make daily posts, or posts a few times a week. About purchases, money-saving-strategies, and general financially-related matters.


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