She Strengthens

Taking Control of My Finances

As I enter my 27th year, I’ve come to realize that it’s time to treat my money with the respect it deserves. No more hoarding it in a single account just to see a big number; it’s time to make it work for me.

Investing in My Future

First on my list is to finish building my emergency fund, which includes saving for both mine and my partner Marc’s expenses. Once that’s done, I’ll start investing in mutual funds and maybe even a small company I believe in. It’s never too late to start, and I’m determined to make this year count.

Breaking Up with Uber

It’s time to admit that having the Uber app on my phone is a recipe for disaster. With just a few taps, I can indulge in a convenient but expensive ride home. This year, I’m taking drastic measures – deleting the app from my phone – to curb my spending habits. If I need a ride, I’ll have to make an effort to download the app, which should help me think twice before splurging.

Getting Ahead of Taxes

For three years in a row, I’ve procrastinated on filing my taxes, resulting in last-minute extensions. Not this year. I’m committing to starting early, in January, and getting it done on time. It won’t be easy, given the complexity of my taxes with multiple LLCs and contracts, but it’s essential to take control of my financial situation.

The 30-Day Restaurant Challenge

I’m issuing myself a challenge: to cook every meal at home for 30 days straight. No more impromptu restaurant trips or “treating myself” to expensive meals. By doing this, I hope to save money and develop healthier eating habits. I might even enlist friends to join me on this journey, making it a fun and accountability-driven experience.

Seasonal Decor on a Budget

Gone are the days of buying new decor for every season. Instead, I’ll focus on making small, affordable changes to give my apartment a fresh look. Think throw pillowcases, fake flowers, and swapping out books and magazine cutouts. This approach will not only save me money but also reduce waste.

Earning More, Saving More

When I want something special, like that coveted Le Creuset dutch oven, I’ll create a dedicated fund for it. I’ll take on extra jobs or freelance work to earn the money, ensuring that I don’t dip into my emergency fund. This approach will help me prioritize my spending and make more intentional purchasing decisions.

Nurturing My Creative Side

Investing in my creative life is essential to my overall well-being. That’s why I’ve started by treating myself to a subscription to Bon Appetit magazine. Going forward, I’ll allocate a small portion of my income to activities and resources that enrich my artistic side. While these investments may not yield a direct financial return, they’ll undoubtedly enhance my quality of life.