The Real Truth About How I Save Half My Income

DesiraeBudgets, Lessons Learned, Saving53 Comments

How I've managed to save half my income - and how you can too.

It’s one thing to set a goal to save half my income, but actually doing it is an entirely other story. Here’s a (brutally honest) look at exactly how I’ve managed to hit my savings goal over the past few months – because I’ve been consistently hitting it every month since October. Well, OK, not in January, because January was bananas, … Read More

In Praise of Weird Spending

DesiraeBudgets, Lessons Learned, Lifestyle, Spending26 Comments

Weird spending is probably the best thing you can do with your money - here's why.

There’s a whole range of ideas out there on how much you should spend on a thing – hell, I made an entire budgeting tool out of those recommended numbers – but honestly, the best spending you’ll ever do is weird spending. By weird spending, I mean spending that seems way out of line with what’s “normal”. Uh, what? Hear me … Read More

10 Things Millennials Need to Do With Their Money ASAP

DesiraeBudgets, Lessons Learned, Resources16 Comments

The 10 things millennials need to do with their money

Guys, this week is my birthday and I’m old af, so I want to share some of my Wisdom About Money with you. Specifically, the ten things every millennial should do with their money, ASAP – before they’re too old for people to consider them a “real” millennial anymore. (Which can I just say, millennials as an age group range … Read More

Manage Your Money Like a Pro – Even If You’re “Not” One

DesiraeBudgets, Goals, Lessons Learned, Saving, Spending4 Comments

Manage your money like a pro - here's how to start.

Managing your money can sound like this Big, Scary Thing – I get that. There’s acronyms, and experts, and a whole complex industry around it. Sometimes, things do need to get that complicated, but if you’re just getting started – or even if you started managing your money a few years ago – trust me when I say things do … Read More

How To Build a Holiday Budget That Actually Works

DesiraeBudgets, Gifts, Spending, Strategies, Tools6 Comments

How to build a holiday budget that works, without giving up lattes to do it.

Building a holiday budget sounds like the opposite of a merry good time, but it’s not as bad – or nearly as hard to do – as it sounds. This past weekend, I realized that I hadn’t even started my Christmas shopping yet, and hadn’t gotten into the real swing of the holiday season yet (minus my tiny tree that took … Read More

Yes, You Can Have Your Latte and Your Money Goals

DesiraeBudgets, Lifestyle, Spending, Strategies30 Comments

Since you’re already reading a personal finance blog, I’m going to go ahead and assume you’ve heard of the latte factor. You might know it as the theory from David Bach, that if you simply cut out a $5 latte from your daily routine, you’ll retire a millionaire. Allegedly. Even if you haven’t heard the original theory, I bet you’ve had … Read More