Five Things To Do Before Buying a House

DesiraeLessons Learned, Lifestyle, Spending54 Comments

Five things to do before buying a house, especially if you're a first-time buyer.

Looking for a list of things to do before buying a house? I’ve got you covered based on my own personal experiences, because fun story: we just bought a house! And yes, almost everyone guessed this already from my not-so-cryptic tweets about taking money out of my EQ Bank savings account, and about having big news, and literally every DM … Read More

Four Ways to Be Good at Money That Don’t Suck

DesiraeLessons Learned, Lifestyle, Spending10 Comments

It doesn't have to suck to be good at money - here are four ways to make sure you handle your personal finances like a champ.

No, being good at money doesn’t have to suck – I know this from personal experience. This week, The Financial Diet shared a post I wrote about how I survived on an entry-level salary without taking on debt, and how other people can do the same. It’s actually what I’m most proud of in my short personal finance life – how … 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

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

“Do You Like Your Credit Card?” Is The Wrong Question

DesiraeLessons Learned, Lifestyle, Spending14 Comments

I was out for dinner with some friends recently, and because they know I blog about money, they commented on my choice of credit card when it was time to pay the bill. “Do you like your credit card?” I do, actually. I love it. I raved about my Tangerine Cash-Back credit card, because I hands-down adore it, and it’s a … Read More