About

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.

{ 3 trackbacks }

save money on your trip to DC: prudent financial planning - a guest post : plonkee money
November 29, 2007 at 7:02 am
Never Buy Another Cookbook | Frugal Hacks
October 4, 2008 at 11:40 am
  Personal Finance Blogger Spotlight by Money Crashers
July 17, 2009 at 12:26 pm

{ 15 comments… read them below or add one }

Brip Blap October 22, 2007 at 8:56 pm

You’re off to an excellent start with the blog – keep at it :)

Andy October 25, 2007 at 2:12 pm

Nice blog and I was interested in your migration to your own domain.

Some questions:

1. When you got your own domain name (ie without wordpress or blogpost in the address)- did you get a hosting service? If so, can you recommend who?

wellheeled November 1, 2007 at 2:55 am

Hi Mrs. Micah, just started reading your blog, and I love it!

You seemed alot more mature than 22… I’m 22 right now and sometimes I honestly just feel like a kid.

Check out my blog if you have a chance – best of luck with whittling down your debt!

budgets are sexy March 26, 2008 at 8:17 pm

Wow, yeah i’m with wellheeled as i totally thought you were more mature than 22… i’m impressed!

I’ve seen your comments around town, so thought i’d check out your site myself and i’m glad i did :) Looking forward to learning more.

Mark Krusen April 6, 2008 at 9:44 am

Me too Mrs. Micah. I’m signed up to your email subscription. Your post is a must read for me every day.:)

Henry Becker May 22, 2008 at 11:25 pm

Found your site through Stumble. Great postings. You may want to browse the blog I just started. Although new, I will be posting content I am sure you will find informative and hopefully entertaining.

MoneyEnergy May 26, 2008 at 2:08 pm

I’ve heard alot about your blog. Will be learning from you in more than one way!:) If you want to share any advice or tips, I’d love to hear them.

Irene June 4, 2008 at 10:25 pm

I just started reading your blog today. I love it and have subscribed to the feeds.

sfordinarygirl June 10, 2008 at 5:51 pm

You’re only 22?? Ditto with what wellheeled said. I’m 26 and man I feel ollldd.

Christine July 26, 2008 at 8:34 am

You list car debt twice in the first paragraph, by the way.

mrsmicah September 3, 2009 at 12:35 pm

well…now I’m just turning 24 if that makes people feel better.

Neal@wealthpilgrim.com September 3, 2009 at 12:42 pm

Congrats for being so on top of this at such an early age. Also, this “about” page is great because it helps me connect.

Nice Job Mrs. M!

Paul @ FiscalGeek September 3, 2009 at 1:00 pm

Very personal, I think this is something I need to model a little more myself, well done. I also love the term paraprofessional, am I the only one thinking Ghost Busters?

Financial Samurai November 2, 2009 at 7:59 pm

Glad to have found your site Mrs. Micah. Good luck with your debt paydown. With great student debt, comes good income, so I’m sure you’ll be fine!

Jump September 16, 2012 at 7:51 pm

I was suprised (and impressed) by your approach to your husband’s debt. I’m not sure I would have the strength to do the same. I currently live with my boyfriend and we split bills, but keep our bank accounts, savings and debts completely seperate. I help him out with finance when he requests my input, but othewise we act as individuals when it comes to money. This arrangement suits us both, but I do applaud you for taking on another person’s debt so willingly. Best wishes to the both of you. He has an amazing wife!

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