Who is Mrs. Micah?
I’m 24 years old, employed as a library paraprofessional with plans to pursue a Master’s in Library Science in Fall of 2010. As you can guess from my pseudonym, I’m married and my husband’s name is Micah. I chose the pseudonym because this blog began as a place for me to get ahold of my newlywed finances, including the crushing student loan debt that Micah brought into the marriage (over $100,000).
I’m a writer, a blog consultant, a quilter/crafter, a reader, a tweeter, a geek/nerd, and many other things. I like organizing information, which is one of the things that attracts me to blogging and websites and libraries and also means my CDs/DVDs/and books are organized by genre, era, and title.
I’m a fan of some geeky shows, especially things by Joss Whedon. I’m low-key and low-maintenance when it comes to shopping/clothes. I like frugal solutions and love coming up with ways to reuse something. I can also be a bit of a hoarder, but I’m working on that.
In the last year, I’ve really come to terms with all these things–that I don’t have to be “normal” about something, that it’s ok to be a geek or not to care about clothes. I’ve found that accepting who I am helps me truly enjoy the things that make me happy instead of feeling like an inferior person for doing so.
Why I Started This Blog
Until I got married, I was in great financial shape – no debt, plenty of savings. Then, at 21, along with acquiring a brilliant, loving, and supportive husband, I got $100,000+ in student loan debt (from his 10 years of school getting a PhD), $8,000 in car debt and $800 in credit card debt.
Because I’ve been blogging on and off for the last 8 or 9 years, I reacted by starting a blog where I could come to terms with debt, interact with others who were paying off debt, and share what I know. I discovered the personal finance blogging community and have appreciated all the support and opportunity to learn more about all facets of financial planning. I’ve discovered that I’m also a personal finance nerd.
Where We Are Now
In our finances, we’ve paid off our credit card debt and car debt. Because the student loans are in deferment, we’re saving up as much as we can to start paying them off. Our current plan is to put the money Micah makes teaching towards his student loans and to live on my salary. Even though I’m employed full time, I do quite a bit of freelancing as well. This money also goes toward our debt repayment fund.
Physically, we’re located in the greater DC metropolitan area for various reasons. So you’ll occasionally see DC-related posts on the site, or things geared toward city living. However I grew up in a suburban setting and went to college in a rural area, so I’m familiar with many types of U.S. living.
What You’ll Find Here
Posts 3 MWF and possibly weekend. Reflections on freelancing. Budgeting ideas. Information about managing credit, credit cards, and credit card debt. Ideas for creating a better life. Information on scams or shady businesses. And my own blend of quirk.
You can contact me here.
Thanks for taking the time to join me on this journey.