For those of you who don’t know me IRL, which is most of you, I am a thirty-something in the process of beginning to plan to buy a house. Did you hear how non-committal that was? The truth is, buying a house is a huge and daunting step, especially for someone who spends 10 minutes trying to decide if she should buy the name brand cookies or if the store brand will do for 20 cents less.
My biggest concern, as is most people’s when buying a home, is money. As is the case with most thirty-somethings, I have accrued a decent amount of debt in my teen and early young adult years. Pesky college! I have a credit card, store card, and student loans up the wazoo. On top of that, I have virtually no savings even after working two jobs. Meanwhile, society and older people love telling me what I should have at this point in my life.
A few years ago, I attended NerdCon: Nerdfighteria in Boston and I was introduced to this amazing resource called The Financial Diet. There were two girls, my age, talking about their struggles with money and how they overcame them. They gave real-world, relatable advice that wasn’t preachy at all. It was refreshing and I walked out of that session thinking that maybe one day I could be a real adult.
Well, The Financial Diet (TFD), which exists primarily via blog (although their YouTube channel is great too!), recently published a new book! The Financial Diet: A Total Beginner’s Guide to Getting Good with Money by Chelsea Fagan and Lauren Ver Hage. So I picked up a copy and honestly it was a great read. They talk about what exactly investing is, how to start paying your way out of debt, how to talk to your friends about your finances, and so much more. In particular, I really enjoyed the section on budgeting. TFD had excerpts from industry leaders giving advice about how much of your pay should go to bills, how much to entertainment, how much to save, etc to make sure you live within your means. I think that the best part of the book is that it’s written in a way that makes me get it. It spoke to me if you will.
I’ll leave you with one of my favorite quotes from the book and then the strong recommendation to check it out if you get the chance.
“The worst thing about being an adult it the fact that we can do basically whatever we want. You can have Chicken McNuggets and champagne for dinner, but you know that the next day you’ll feel like a whoopee cushion made of alcohol and sodium. Yeah, adulthood.”
You can pick up a copy at Amazon. I recommend a physical copy, read it and then pass it on to a friend and then talk to your friends about money. It will be worth it for everyone.
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