Want to know what one millennial spends a month while living in Chicago, Illinois? Wait no further. Clo Bare shares everything she spent her money on in April 2021 by sharing her budget, her net worth and savings updates, as well as where she blew the budget last month.
What are ETFs or exchange-traded funds? In Clo Bare’s Investing 101 series, she works on demystifying the stock market so folks like yourself can understand, invest, and get some of that sweet, sweet, passive income. In this post, Clo…
What do I spend a month in Chicago, IL? What does it even cost to live in Chicago, IL? Clo Bare shares what she spends in a month by sharing her budget, savings rate, what she spends a month…
Nearly 45% of millennials have student loan debt, and the average amount of debt for graduates is about $32,731 per borrower. In 2018, 74% of millennials reported having an extreme amount, a great deal, or a fair amount of…
Whether to save or invest is a question many people have when starting out in their personal finance journeys. Saving is a priority for people without emergency funds or for people with short-term goals, like purchasing a home within…
Eric from Simple Savings Cents shares what he spends in a month as a 33-year old in Chicago, IL. From food stamps to banker, Eric shares how he got out of credit card debt and started his journey towards…
What does it cost a month to live in Chicago, IL? Clo Bare shares what she spends in a month by sharing her budget, savings rate, what she spends a month in Chicago, and how she managed her money…
In a little over two years, Clo Bare paid off $40k in debt and saved $150k for retirement. She got started on a five-figure income, and as her salary grew, she avoided lifestyle inflation and managed to make huge…
Welcome to Clo Bare’s Investing 101 series where we’ll cover the basics of investing to build wealth. Investing can be incredibly confusing if you’re a noob entering into the world of Exchange Traded Funds, Index Funds and Mutual Funds–…
Timmya shares her money journey from serving in the Peace Corps in Eswatini with almost $80k in debt to starting her path to financial freedom. Read what Timmya spends in a month as a millennial in Georgia.…
Last year, Clo Bare budgeted for a whole year only to find out she was consistently going over budget by about $500 each month when she did her yearly review. How did she solve this chronic-going-over-budget-ness? She implemented an…
Alvy Macias shares what he spends in a month as a 27-year old millennial in Portland, Oregon. From growing up in a household that had to use credit cards to stay above water to getting on track to be…
Understanding all the different retirement accounts is confusing as hell. What’s a 401(k) and how is it different from an IRA? Why is everyone so stoked about a Roth IRA and can I have a traditional IRA and Roth…
Not sure why your budgeting hasn’t been working so far, despite every effort to make your monthly budgets stick? Perhaps a yearly budget is what you need. In this post, we’ll cover what a yearly budget is, why it’s…
What are the best credit card repayment options, and which methods are important to avoid at all costs? Paying off credit card debt is not a quick and easy process, but taking control and managing it may be easier…
Tired of not knowing where your money is going and feel like you’ll never have the life you’ve been dreaming of? Perhaps it is time you start values-based budgeting. In this post, I’ll explain what the values-based budget is…
Let’s discuss how to save more money. I’ll also show the long term impacts of saving and investing early and often with as little as $25 a month. If you’re on the fence about cutting out your expenses just…
Your emergency fund is more important than ever before as we enter into uncertain times. In this post, I’ll debunk some bad excuses for not having emergency savings, teach you what an emergency fund is (and what it isn’t),…
Personal finance is tricky business. The pursuit of financial independence is not a quick one. It’s a goal requiring time, endless amounts of patience in managing personal finances and determination with very minimal rewards in the process. Sure, there…
I really sucked this October. I have lots of excuses lined up for you though. And if you can’t tell by how delayed this post is, I’ve been dreading telling you all just how terribly I did with my…
From massive student loan debt & car payments to wining & dining with friends: Clo Bare is on a mission to learn how to budget & save now so she can plan for the future. …
Well, folks. It finally happened. I had a good run of staying under budget, two whole months actually, and now… well. Shit happens right? In February 2019, I went over budget by $89. And you know what? I’m still…
I fucked up. In April 2019, I went over budget by $474 and my spending is buck wild. With every budgeting and debt-free journey comes massive fuck-ups or derailments, right? Well it was finally my turn in April. My…
This month’s spending report has some pretty big news, and some seriously awesome wins after completely blowing the budget last month. I am happy to report that: My spending is now under control. I was $401 under budget. I…