Online Dating on a Budget

Today, I’m going to get a little personal. I’m going to talk about dating. Online dating, to be exact.

Online dating on a budget |

See, I’ve had my fair share of experience with online dating. When you’re out of school and in the “real world,” it becomes surprisingly hard to meet date-able people. Enter, online dating. It’s how I met BF.  It’s how I met my boyfriend before BF. It’s how so many of my friends met their boyfriends, girlfriends, fiancées, and spouses.

Because this is a personal finance blog, of course I’m going to bring online dating back to money. You can spend a lot of money registering for one or many of the myriad online dating sites that are out there. You can then spend a lot of money going out on dates with many potential partners before finding someone you want to spend more time with.

You can also use online dating incredibly cheaply. These are my tips for online dating on a budget. Continue reading

Guest Post from BF: Graduate Student Finances

I am so excited to share a guest post today from the one and only BF! I hope you enjoy reading his thoughts. I know I did!

Wouldn't you like to know who is behind that hexagon?! I'll give you a hint, he's super cute :-)

Wouldn’t you like to know who is behind that hexagon?! I’ll give you a hint, he’s super cute 🙂

I am very excited to write this guest post. I have been encouraging Ali to invest time and energy in this blog from the very beginning. She not only has a lot to say about personal finance, but also is able to do so in a very eloquent and “relatable” way. I could not be more proud of the attention that this blog is quickly receiving.

As Ali mentioned, I am currently enrolled in a Ph.D. program in the Boston area. I personally love the student life. The income is not great, but is far from shameful. And the responsibilities are actually slim. You basically get paid to take courses and think and write what comes to your mind. Not a bad life for those with nerdy tendencies.

But continuing to live as a student after college also has its down sides. You are basically postponing going to the job market at the same time that your opportunity costs continue to grow. Not to mention the potential anxiety produced by uncertainties and eventual (unhealthy) comparisons with friends, family and significant others and their new jobs, promotions, raises etc. Existential crises are not uncommon. Let me just say that the life of a graduate student is not for everyone.

In this post, I would like to share my thoughts on two topics regarding a graduate student’s finances; topics that I find myself constantly struggling with. Disclaimer: I know close nothing about personal finance. The little I know I learned from this blog or from talking to Ali. So, what follows are my own lay thoughts. They do not express Ali’s ideas nor should they be taken as recommendations about how other graduate student should think about their own finances. Continue reading

Couples’ Finances: Our Joint Credit Card

For most of my time as a personal finance enthusiast, I’ve been single. I had boyfriends, I went on dates, but I didn’t share my money with anyone else. I had only to worry about my own salary and expenses. This was the case when I met BF several years ago, and for the first years of our relationship it worked well for us to maintain completely separate finances. We would try to alternate who paid when we went to dinner. When we went on a trip we would keep rough track of spending and settle things up at the end through a bank transfer. We kept it simple, and it mostly worked.

When BF and I moved in together, keeping track of who paid for what and trying to keep things relatively equal became tedious. We were buying furniture, groceries and other household items together, in addition to our usual entertainment spending. We decided that a joint credit card would be a good way for us to share expenses easily and simply, and it has really worked well for us. Continue reading