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awareness, big questions, career, Uncategorized


Last month J. Money published a post on Budgets Are $exy that made me think a LOT. I wrote a longish comment at the time, but the more I thought about it, the more I wanted to make it into a full post.

So here we go. I’d be interested to know if you can relate to any of this.

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awareness, link-ups

Secret Messages

secret messages

Hey everyone! I’m so excited to share the results of the #pfmessages project – you can read the original post about the project here if you’d like, but to summarize, I thought it would be cool to start a link-up of posts about the money-related messages that are often hidden inside literature, music, films, and popular culture.

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awareness, gender, systemic problems

Mansion, Apartment, Shack, House

Mansion, Apartment, Shack, House-2

When I was in third grade, my class did a unit on space and astronomy and NASA. It was the coolest. We got to go to the Christa McAuliffe Planetarium and eat freeze-dried ice cream, and we also got to do an experiment where we planted a bunch of tomato seeds that had been in space and a bunch of tomato seeds that had not been in space, to find out which ones would grow better. (I assumed that the tomato seeds that had been in space would grow into crazy bionic alien plants, but surprisingly, they just turned out to be a little less likely to sprout than the non-space seeds.) My hero that year was Sally Ride, the first American woman in space, and I wanted to be an astronaut just like her.

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awareness, big questions

Small Things

small things

Before I get started with today’s post, just a quick reminder about #pfmessages – if you would like your contribution to be included in the wrap-up post at the end of this month, make sure to post it or email it to me by December 27th. Anyone and everyone is welcome to contribute! If you don’t have a blog, just send your contribution (ideally 1-3 paragraphs) to me directly at: theyachtless [at] gmail [dot]com. Thanks to those who have contributed thus far!

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anxiety, awareness

Take Courage

Take Courage

I hadn’t planned to post again until next week since this whole weekend is technically a holiday. However, I had an experience a few days ago that I’ve been thinking about a lot, and so I thought I’d share it with you here today. I’m curious to know if it’s something you can relate to in your journey with money—or in your journey with anything, really.

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awareness, books, gender

On Books and Gender and Money

books gender money

Do you ever wonder about the impact that your childhood reading material had on your financial choices as an adult? Nope? Just me? Oh. Okay, no problem. But stay with me anyway, because I think this could be an important topic and I definitely want to know what you think.

As someone who has only recently started to become financially conscious (we’re talking less than a year), I’ve been spending a lot of time lately thinking about the financial choices I’ve made as an adult and trying to understand what factors might have influenced those choices. Not so I can make excuses for myself, mind you, but just so I can understand myself a little better. And since books had a huge impact on me growing up, I thought they could be an interesting possible factor to investigate.

So let’s rewind about 20 years.

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awareness, calculations, medium potatoes

The Great Phone Bill Calculation

phone bill

I did not choose a black and orange theme on purpose for Halloween — it just happened!

So the last time I went to get a new phone, this is what happened:

               Me: Hi, my phone stopped working this afternoon, can I have a new phone please?

               Sprint salesman: Sure, what kind of phone and service agreement are you interested in?

               Me: Like an iPhone. Like the cheapest iPhone.

               Sprint salesman: Ok, would you like —

               Me: Whatever you recommend. Just a phone that works. And a normal service agreement.
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awareness, calculations

The Great Yoga Calculation

The Great Yoga Calculation-2

Ok, folks, this has been a long time coming. I’ve changed a lot of my spending and saving behavior over the past ten months or so since I had my *Aha!* moment of finally becoming financially conscious. I’ve started tracking my spending religiously, contributing to my Roth IRA each month as well as to my Betterment account, and, as you may know, I’m committed to a ban on purchasing restaurant food and takeout for the month of October.

BUT. There are still several* consistent monthly expenses in my spending tracking spreadsheet that need to be talked about, and the first one on the list is yoga.

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