Who am I?

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I am a 20 something lawyer living in North Carolina with my wonderful financial planner husband and … our mountain of debt.  As of August 1, 2017, I owe $55,218.51 in student loan debt and $5,254.25 for my vehicle.  On top of that amount, my husband has $55,365.22 in student loans and $9,876.42 for his car loan.  This brings us to a whopping non-mortgage total of $125,714.40.

We recently decided to sit down and really work out our budget.  Budgets are scary.  No, terrifying.  Whenever I heard the word “budget” in the past, I  always ran for the hills.  I equated the word budget with the idea of deprivation.   It meant that I couldn’t buy that dress that I was obsessing over or that I couldn’t get a glass of wine with my dinner.

Now I focus on my budget as a sense of empowerment, since I am finally making the decision to control my finances.  Instead of watching my paycheck disappear within a few hours of hitting my account, I will consciously decide where my money will go.   And that seems like a pretty exciting opportunity to me.

It is important to note, that budgeting to me is a matter of balance.  I do not intend to stop living my life with the sole life purpose of eliminating debt.  Instead, I want to embrace the power of debt.  I want to make financially wise decisions by engaging in mindful spending.  I plan on including some tips on how to attack student loans, how to increase savings, how to travel on a budget, and other interesting topics.

Hope you enjoy!

With love,

Budgeted Brunette