Student loans, first paychecks and small wins, from just north of Chicago
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Where my $1,140 tax refund went
Paying Off Debt

Where my $1,140 tax refund went

February 16, 2026

Every dollar of my refund went to my student loans, and I almost didn't do it. The new balance and the small t…

Filing taxes with pet-sitting income for the first time
Insurance & Adulting

Filing taxes with pet-sitting income for the first time

February 7, 2026

A W-2, a pile of payment app records and a Schedule C. What I owed on my side money, what I got back and what …

Moving my checking to a credit union in Skokie
Credit & Banking

Moving my checking to a credit union in Skokie

January 28, 2026

My old checking account started charging $12 a month. Why I switched, what the switch took and the one direct …

How I get through a Chicago January on almost no money
Cheap Fun & Self-Care

How I get through a Chicago January on almost no money

January 19, 2026

Library holds, a free museum day, long baths and one $8 bowl of ramen a week. My cheap winter routine for the …

Starting a move fund for a June lease
First Apartment

Starting a move fund for a June lease

January 10, 2026

I want my own place by summer. Why I'm saving $4,500 in five months, what I expect moving out to cost and what…

My 2025 money year in numbers
Budget & Paychecks

My 2025 money year in numbers

January 1, 2026

A credit card gone, $9,980 off my student loans and a $6,000 emergency fund. The full year, including the mont…

Getting my 2012 Corolla ready for a Chicago winter
Insurance & Adulting

Getting my 2012 Corolla ready for a Chicago winter

December 23, 2025

Wiper blades, a battery test, a scraper and a blanket in the trunk. My $74 winter checklist and what my policy…

A $350 Christmas budget for nine people
Budget & Paychecks

A $350 Christmas budget for nine people

December 14, 2025

Nine names on my list, from my grandma to a coworker Secret Santa. What I bought, what I made and the $40 I we…

Under half: $15,640 left of the $31,400 I borrowed
Paying Off Debt

Under half: $15,640 left of the $31,400 I borrowed

December 5, 2025

The day my balance dipped below half of what I took out for college. The numbers, the small celebration and wh…