The Lady in the Black
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The Lady in the Black is a personal finance blog for women. Women have unique perspectives on life, including how to manage personal finances, get out of debt, and save for the future.
The Lady in the Black
4y ago
In 2019, The Lady in the Black is doing Thanksgiving differently. I’m foregoing all the turkey and trimmings to hightail it to a remote (and pricey) rental cabin in the woods. Why? Because I’m waiting for the Great Pumpkin of Personal Finance.
The Great Pumpkin of Personal Finances (It’s a thing.)
As background, it’s probably good to remind my readers that in February 2016 I was essentially homeless. I had nowhere to live, no job, no car, and you guessed it, no money. Since then, I’ve been on a journey to improve my attitude and my behaviors around money.
To honor all the autumn holidays, I’m ..read more
The Lady in the Black
4y ago
It’s like the start of a joke. A Lady walks into a nudist resort…
But it’s no joke. The Lady in the Black made her first visit to a nudist resort and now reports on her experience. Maybe it’s not what you’d expect. But then again, maybe it is.
Nudity: Our Natural State
Nude. Naked. Bare. Called it what you will, nude is the natural state of human existence.
As a species, our collective culture has drifted so far away from our natural state that it is no longer socially acceptable. Just let that sink in. We are the only species on our planet that does not conduct our daily lives in our natural ..read more
The Lady in the Black
5y ago
June 1, 2019 will mark the start of the first full month in my new apartment. For The Lady in the Black, her decision to move hinged on both quantitative and qualitative factors. (Essentially, there was a mixture of both financial and emotional considerations.) I suppose that’s true of most people.
Quite honestly, I haven’t written in a while and was going to wait until something really helpful to my readers fell into my lap. Then I realized that moving is something that many people can relate to. So, voila! Blog post.
From Homelessness to Renting
For those of you who might not know (or rememb ..read more
The Lady in the Black
5y ago
In direct response to bouncing checks for several months in a row, The Lady in the Black needed to determine why her personal finance money machine was broken. The answer was obvious, if not a bit embarrassing to admit. She had NO IDEA how much it costed to live her life.
Sure, I knew the fixed costs. Rent, car payment, utilities, etc. But how much did I REALLY spend on “discretionary” items; groceries, entertainment, eating out, fun? While my budget listed that line item at $600/month, I truly had no idea.
I could offer a myriad of excuses why I’m so clueless about my expenditures but probabl ..read more