Student loans are student loans, right? I used to think so too…until I had to start paying my private student loans back, and realized my friends (with federal student loans) had it way easier than me! The truth is that they are very different, and those differences have a big impact on your ability to…
10 Reasons Side Hustles Will Improve Your Life
I’ve been side hustling since I was but a wee tot. Don’t believe me? Here’s the evidence. But it wasn’t until after I graduated college and was really expected to earn a living that I realized the importance of side hustles. I’ve since turned my side hustle into my full-time gig (here’s more on how…
Is it really cheaper to grow your own food?
A lot of people will tell you that you can save money by growing your own food. But as someone who’s failed spectacularly at gardening at various times, I can say without a doubt that growing your own food is not free. So, I decided to put this to the test: Is the cost of…
How to Set SMART Financial Resolutions in 2019
Welcome to 2019!! Clearly Science Finance Lab and Science Finance Cat couldn’t give two hoots, but that doesn’t mean you shouldn’t. The New Year is a great time to set resolutions. In fact, 94% of millennials are planning on making financial resolutions in 2019, according to one study. But if most New Year’s resolutions fall…
December 2018 Debt Report
In my FIRST video debt report for 2019, I’ll be covering how 2018 went and where we’re at with our debt at the end of December 2018. We paid off three debts in 2018: Personal loan to pay for our broken-ass house from three years ago Personal loan to pay for Zach to attend…
How to Deal With a Government Shutdown
There’s no two ways about it: government shutdowns suck, and suck especially hard if you’re a government employee. In this video, I’ll give you five tips on how to minimize the impact of a government shutdown on your wallet: Notify your creditors/people you owe money to. Explain the situation, and see if they’ll waive or…
Your DIY, Step-By-Step Recovery Plan For A Spending Hangover
Well, shucky darn, now you’ve done it. You’ve really messed up this time. You knew that managing your finances well was important, and yet you still threw your hands up in the air like a tight-butted rodeo cowboy and yelled YOLO. When the dust settled, your bank account was sadder than a kid who’d gotten…
June 2018 Financial Progress Report
We made it! We’re finally installed in Washington. Unfortunately our apartment still needed a ton of remodelling from the last tenants. This put my schedule behind for a while (and then I had to play catch-up with client work), but now holy Batman I’m back! Another thing I hadn’t planned on was the amount of…
Frugality Is Not A Competition
I’m an inherently competitive person. Unless it comes to sports, in which case I will tune you out and go to my happy place with biology textbooks and craft beer. That’s why I have such a hard time with the personal finance community sometimes. From my eyes — not everyone’s eyes, but mine own, and…
May 2018 Financial Progress Report
“Moving is fun.” Said NO ONE EVER. This month, we’re gearing up for our cross-country move in June. There’s only one problem: we don’t know when we’re moving yet. Our new apartment is a small mom-and-pop kinda thing, and since the old tenants are moving out today, they don’t know how much work’ll be…
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