Hello! I'm Ashlee, and I begin graduate school to be a social worker in September 2011. Social workers aren't rated as the wealthiest professionals, since we do it for the love not the money! But let's get real: making little money isn't an excuse to live in debt, and working with the poor doesn't mean I have to be poor. With remaining undergraduate debt accumulating graduate debt, I am determined to live frugally during my two-year academic program and for the five years following to eliminate all my student loan debt by age 30. Is it possible? Yes. It is realistic? I am going to make it so.
Like most young Americans I could benefit from a few more lessons on personal finance and frugal lifestyle to balance to messages of instant-gratification and consumerism I have been spoon-fed since infancy. I accumulated a decent credit-card debt during my first two years of college (because of silly, unnecessary spending) and paid it off with earnings from a summer job (I won't give you the specific number, but it was a large portion of that salary). I have lived paycheck-to-paycheck. I have saved too little and spent too much. I have frozen credit cards (and subsequently burnt them in the microwave-yeah, that's called a move of desperation, Folks). And I have wondered where the cash went. But there's hope! For the past year, I have lived according to a (gasp!) budget and begun a savings plan. It's been a little rocky, but I'm on my way with much to learn. I confess this as encouragement: If I can make a financial turnaround at 23, so can you!
Join me on my frugal adventure, as I learn and practice the basics (but profound necessities) of personal finance for young adults and frugality to create a foundation of financial freedom for life. Yep, I'm going to include the nitty-gritty details. Feel free to comment, suggest, question, and advise! I'm out to learn as much as you all.
Cheers.
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