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Let's Talk Money, Honey

Stick with me here, friends- this may be a long one, but we're gonna get a little crazy and start something new here. I'd really love to start a dialogue and get your 2 cents on the topic.

(Heh Heh, get it? Cents? Money? Carry on.)

So there's a pretty big side to me that I have never written about on here before.

I have a serious, deep down, honest-to-goodness passion for personal finance.

I can spend hours on end analyzing spending patterns, retooling budgets, tweaking spreadsheets. Probably 50% of the books I own, and 95% of the books I actually read, are on the topic of personal finance. I'm sure some part of this comes from the fact that I'm a financial analyst by trade, but it goes way deeper than that.

Finance -money, really- can be this big, mysterious, overwhelming thing at times... Especially when you don't have any, or feel like you don't know what to do with it or don't have control over what money you do have.

I think that our generation really got short-changed in the financial education department. How many of you out there had classes in personal finance in high school? Learned about the perils of credit card debt? Knew what an amortization schedule was? Forget learning how to balance a checkbook- how many of you out there even use checks on a regular basis?

I think that most of us learned how to manage money by seeing the way our parents did- which could be a good thing or a bad thing, something you'd like to emulate or something you're trying to avoid at all costs.

After some great financial discussions with my Twitter friends today, I realized that on some level or another we're *all* trying to get this whole personal finance thing figured out. Maybe your big New Years resolution is to spend less and save more, maybe you're wondering if you should start saving for retirement already, or maybe you just want to start this whole personal finance thing from the beginning and figure out the answer to the "what the heck am I supposed to do with my money?!?!" question from square one.

I've decided to finally bring my passion for all things personal finance on to this little blog of mine. I'm going to start sharing with you some of the tips, tricks, gems, and major errors I've encountered along the way... I'm not a professional wealth manager or personal financial planner, remember... Just a girl with passion and a paycheck, some debt and some lofty goals, trying to set up a strong financial future.

I look forward to sharing with you, hearing from you, and having you along for the ride!

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Dishy Decorator said...

YAY. Can't wait to hear your ideas.

Pretty Bride said...
This comment has been removed by the author.
Pretty Bride said...

sorry - typo the first time. i LOVE this! my husband and i are relatively clueless about personal finances. we make a healthy amount and both often wonder where it goes. we're able to save, but i know it's not even close to where it could be. can't wait to hear your advice!

Little Miss Diva said...

This is a GREAT idea! I can't wait to read your posts on this very important subject.

Amy@Fiancé Meeting You Here said...

I can't wait to read your posts! People assume that because I'm a lawyer, I make good money and know what to do with it. Not so! I've learned zero about finance and feel like I'm sinking in debt, taxes and unaccounted spending. I'm slowly learning as I go, but I would love to hear how others manage!

Cari B. said...

Great! I love money talk!

The Fabulous Life of a Coach's Wife said...

SO excited you are going to do this! The Mr. and I are house-hunting, trying to pay off debt, save, and looking to start a family. All this year! So any advice and tips we can get, I'll take! I love to tweak our budget book and spreadsheets too! I thought I was the only one who could do that for hours... :-)

City Dreamer said...

ooo yes! just what i need, a little financial direction! my BF is an analyst, so i can always ask him questions, but it can be hard to relate to bc he is always talking about MUCH greater sums of money than i actually have (for saving/investing/spending/budgeting...) real interested to hear what you have to say!

laurwilk said...

I think this is a great idea! My bf is also in finance while I am a humanities gal. We talk about this for hours on end (I'm actually quite interested in personal finance as well).

Take 'em or leave 'em but a few discussions/tips I would be very interested in hearing about would be: good debt and how to feel okay with it, liquidity (and the lack thereof) and how to manage it, and essential points of personal finance that everyone should engage in or consider.

Really, take them or leave them but those are just some big topics I have been pondering lately.

I think this is a great idea!

kLl said...

Money and balancing was never really an issue for me but my beloved fiance is quite different and that is very trying. Our big issue right now is how to get on the same page without my just completely taking over the money and giving him an allowance. One place I have failed is I'm 26 and have no retirement. Scary! But my excuse is that I'm a grad student. My "resolution" this year is to open an IRA with USAA.

Jen said...

I look foward to you ideas!! My husband and I took the Dave Ramsey class, Financial Peace University and we actually have some savings unlike before. Who knew a written budget could do so much. We are looking at having everything (except the house) paid off in 2-3 years. It's nice know that every dollar has its place!

Clemson Girl said...

I love this idea. I was just looking at my bank account wondering why taking care of all my money suddenly got so hard.

Marissa said...

Love this!! Yay!!

Kate said...

Such a great idea - Can't wait to follow along!

Can you do a post on 401ks? At my old firm job, contributing to mine seemed totally worth it b/c of the amazing matching program they had... Now (sans good matching) I feel like I'd rather just have a regular ol' savings account but I'm severely undereducated on the topic!

Lauren said...

Would LOVE this!!! Thank you!!!!

Mandy Rose said...

You should check out my hubby's blog if you haven't! He has one of the top personal finance blogs on the web!


Nicole said...

Yay! Can't wait to read! I'm already excited to watch it grow with the little tips youve given me

Landlocked Mermaid said...

AWESOME!! Have you read "Think Single" by janet bodnar? It is sooo good for women no matter where they are in their personal finance. I LOVE that you are brining this to light. I talk about , blog about it and think about it all the time. my non profit focuses on kids and financial literacy and everyone needs to be in charge of their own finances. YOU GO LULU!! xo

brown eyed girl said...

Yes! I love this idea - I am SO not well-versed in personal finance. My husband is taking care of our finances, and I'm in the position where I don't make a lot of money due to being in grad school, so it's hard being a one-family income in a big city. And I owe a tremendous amount of student loan debt. And have no clue how to budget or save money when I'm not making a lot of money!

Looking forward to this!

Jamie said...

LOVE this idea! All my financial knowledge is derived from Sad but true.

Haughty by Nature said...

Suze Orman's book "Young, Fabulous, and Broke" was a godsend to me in college. I had awful spending habits and (even though my parents are experts at personal finance) thought credits cards equaled "magic money". She helped me to get my spending, saving, and debt in order. Can't wait for more posts on this!

Perfectly Imperfect said...

I'm really excited that you're doing this. This is one of the areas I struggle in the most, so I'm definitely looking forward to some tips!

Newlywed Next Door said...

Can't wait! I love talking money too!

Home Is Where the Hart Is said...

if you could just come live with us and teach us everything you know...that would be awesome!!! :)
looking forward to the money management segments!

Sara said...

I am looking forward to reading your posts about this topic! I recently joined and have found it useful to help categorize everything and figure out what I'm spending money on. I want to focus more on saving this year and can't wait for your advice. Awesome idea!!

Sara said...

I just realized that I have a specific question for you -- do you have a recommendation for opening a "high yield" savings account? I'm thinking about doing the one that AmEx offers, but would be interested in your thoughts. Thanks again!

Michie said...

Looking forward to hearing what you've got to share!

Q said...

I had to learn the hard way to manage my finances. I never learned in high school. Or in college, really. Nobody taught me, and it's not like you're born knowing. I graduated college and had trouble finding a job and landed in quite a bit of debt, living on credit. I started a spreadsheet to track how long it would take me to get out of said debt with my expenses and whatever was leftover. That spreadsheet has been with me over a decade now, has morphed into a beast, with every budget "bucket" as a separate tab, to-do lists, wish lists for home improvement (so we can plan how much to save up for), etc.

I love finding people who are like me and passionate about saving and being debt-free.

And I love martinis, too!

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