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The Best Way to Build a Personal Money System (It’s Not Spreadsheets)

The Best Way to Build a Personal Money System (It’s Not Spreadsheets)

by Desirae Odjick | Jun 30, 2020 | Saving, Spending

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We Need To Talk About Privilege in Personal Finance

We Need To Talk About Privilege in Personal Finance

by Desirae Odjick | Jun 24, 2020 | Lessons Learned, Saving, Spending

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Voting With Your Dollars Has Never Mattered More

Voting With Your Dollars Has Never Mattered More

by Desirae Odjick | May 20, 2020 | Spending

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How I’m Managing My Money During the COVID-19 Chaos

How I’m Managing My Money During the COVID-19 Chaos

by Desirae Odjick | Mar 25, 2020 | Saving, Spending

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Why the Rent Vs. Own Argument Shouldn’t Exist

Why the Rent Vs. Own Argument Shouldn’t Exist

by Desirae Odjick | Feb 12, 2020 | Debt, Housing, Spending

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How to Update Your Living Room on a Medium Budget

How to Update Your Living Room on a Medium Budget

by Desirae Odjick | Jan 29, 2020 | Spending

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I’m all about helping you use your money to live the life you want, whatever that looks like for you (and yes, that means saving for future-you, too). Find out more.

 



Recent Posts

  • The Best Way to Build a Personal Money System (It’s Not Spreadsheets)
  • We Need To Talk About Privilege in Personal Finance
  • How to Get (Or Renew) a Mortgage Without Leaving The House
  • Voting With Your Dollars Has Never Mattered More
  • How I’m Managing My Money During the COVID-19 Chaos

Hi, I’m Desirae!

I’m the brain who thought writing about money on the internet was a totally normal and cool thing to do once upon a time. If you’re moneyed out for now, but want to keep in touch, I’m on Instagram and Twitter. If you want to take this party to your inbox, you can sign up to track your spending, figure out your budget, or learn how to start investing (as a total beginner). And if you just want a clear place to start? I’ve got you.

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"I have a spreadsheet but no idea what's going on "I have a spreadsheet but no idea what's going on with my money."⠀ ⠀ Sound familiar? 🙋🏻⠀ ⠀ If this sounds like you, you're not alone—spreadsheets are crazy-valuable and powerful tools to help manage your money, but it can be challenging to look at a list of numbers and understand how they actually work.⠀ ⠀ (Which is why spreadsheets have so many graphing tools! It's truly not just you.)⠀ ⠀ That's why today on the blog, I'm walking through why and how you should grab a pen and paper and art-attack your finances if you really want to see what's going on, and what you should be learning next.⠀ ⠀ And yes, I'm dropping the full, complete view that starts with this image and gives an overview of how I actually structure my money 👀
You know that saying, the best time to start was y You know that saying, the best time to start was yesterday, and the second best time is today? ⠀ ⠀ I've been thinking a lot about how to show up in this New Normal for money, because it looks a heck of a lot different for a lot of people. Like, A LOT of people. And one of the things a pal pointed out is that while there are tons of people who have lost jobs, there are also people who are still working and trying to figure out their money to be prepared if things get worse.⠀ ⠀ It turns out, I wrote a post almost exactly a year ago about how to prepare for a recession. While the advice has changed—emergency fund first, everything else a distant second!—the updated post is a great walk through of 9 things you can do now if your financial situation hasn't been impacted (yet). ⠀ ⠀ And yes, would all of this have been easier to do a year ago? ⠀ ⠀ Probably! Back when "Do you think there's a recession coming?" was a hypothetical DM from investment bros! ⠀ ⠀ But the second best time is still and forever will be now.
Every time you buy something, you’re casting a v Every time you buy something, you’re casting a vote for that business existing.⠀ ⠀ (In a similar vein, every time you put a dollar into your emergency fund, you're casting a vote for your future financial security!!!)⠀ ⠀ With everything going on right now, you might be in a position where spending as little as possible is the best move for you—and as I've maintained this whole time, put on your own life mask first, bb.⠀ ⠀ But if you *are* still able to make purchases, it's never been more important to think about them. ⠀ ⠀ The money we spend now is a direct vote for the new normal—whether that's female-owned businesses, small local farms, your fave coffee shop, or whatever business comes to mind when you think about what you want to still exist when this is all over.
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