Clo Bare

Posted on February 23, 2021

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– not to mention just basic stocks and bonds. Seems like a lot to remember, right? And who wants to put their money in something they don’t fully understand? I feel you. That’s why I’m going to break it down in this series, starting with this post on ETFs, Index Funds and Mutual funds.

Money Spending Reports

What I Spend a Month in Chicago: June 2021

Want to know what one 30-year old millennial spends a month in Chicago? In Clo Bare’s “what I spend a month in Chicago” series, she shares her spending report for the month including everything she spent her money on,…

July 27, 2021

Money Personal Growth Spending Reports

What I Spend a Month in Chicago: May 2021

June 23, 2021

Money Spending Reports

What I Spend in a Month: April 2021

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,…

May 13, 2021

Investing Money

What is an ETF? Investing in the Stock Market 101

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…

April 19, 2021

Money Spending Reports

What I Spend a Month in Chicago, IL: March 2021

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…

April 13, 2021

Debt Money

Crippling Student Loan Debt: Refinancing with Juno

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…

March 30, 2021

Investing Money

Investing vs. Saving: Should I Save or Should I Invest?

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…

March 23, 2021

Millennial Money Guest Posts Money

What One 33-Year Old Spends in Chicago, IL | Millennial Money

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…

March 16, 2021

Money Spending Reports

What I Spend a Month in Chicago, IL: February 2021

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…

March 9, 2021

Budgeting Investing Money Retirement

14 Ways I Paid Off $40k in Debt and Saved $150k in 2 Years

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…

March 2, 2021

Millennial Money Guest Posts

What One 29-Year Old Spends in Georgia: Millennial Money

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.…

February 5, 2021

Budgeting Money

Exactly How I Increased My Net Worth By $153k in 2 Years

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…

January 26, 2021

Millennial Money Guest Posts Money

What One 27-year Old Spends in Portland, OR: Millennial Money

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…

January 12, 2021

Money Retirement

IRAs and 401(k)s: Master the Basics of Retirement Accounts

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…

August 25, 2020

Budgeting Money

Why You Need a Yearly Budget to Achieve Your Money Goals

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…

July 22, 2020

Debt Money

How to Pay Off Credit Card Debt: The Ultimate Guide

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…

July 16, 2020

Budgeting Money Personal Growth

Values-Based Budgeting: Aligning Your Money with Your Goals

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…

May 28, 2020

Budgeting Debt Money

How to Save More Money & Retire a Millionaire at 50

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…

May 20, 2020

Debt Money

Emergency Funds: The Complete How-To Guide for Saving Now

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),…

April 15, 2020

Money

8 Binge-Worthy Personal Finance Podcasts and Blogs

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…

June 18, 2019

Money Spending Reports

Budgeting Bare: October 2018 Spending Report

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…

November 9, 2018

Money Spending Reports

I am $67,866 in Debt

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. …

October 15, 2018

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