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Replacement for Mint - Update!

I set out this month to complete 3 money moves. Now that we're two thirds of the way through the month, I definitely can see what I did well, and where I fell off. What I'm finding most fun is researching for a new budget / financial tracker / money management tool. More daunting? Networking online and writing up posts. I've only managed to comment on 5 different YT channels and websites. I'm also very far behind on my catch-up of 8 posts this month since this is only my 3rd post. There's time yet, though! On to the main event, here's my update on finding a Mint replacement.

Assess new budget/financial trackers (Bye bye, Mint?).      What I got out of my research? Mainly 2 points:      1. I will never pay for a budget app or financial tracker app and neither should any money savvy individual.       There has been and forever will always be too many budget and personal finance apps on the market. Some apps are feature heavy (link to bank accounts, auto-updated fr…
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10 under $10 - Weekday Lunch Spots in Manhattan (May 2019)

This weekend was particularly rainy, but still very eventful thanks to Mother's Day! I had an early mothers day celebration Saturday night with my family with some delicious food in Chinatown. Also just watched another stunning episode of Game of Thrones... just one episode left!

Anyway, for this post I thought I'd turn to one of my favorite topics: food! It's great to live and work in NYC where you can quality food without spending your whole paycheck. For lunch during the weekdays, I try to get something filling and delicious.

Here's 10 places to get delicious lunch for under $10 in Manhattan. These places won't appear in any fancy foodie magazine (maybe a Vendy award), but they're a downright bargain. You can trust me, as a native New Yorker, to not steer you wrong. Yelp links or Google Maps included below so you can browse locations, photos and reviews!
"Fast Casual" - Grab & go or assembly line spots. BBQ Olive Chicken [Ktown] (Yelp link | Goo…

Money Diary #005 - April in Review

April involved a whirlwind of vacation planning. The travel bookings did a number on my budget since I was the main person placing the charges on my credit cards.

Here's where I landed in April (numbers rounded for simplicity):

Top highlights for this month by bucket:

1. Grad School Savings & Payments

Had a reprieve this month, but summer tuition is due next month. I am planning to take a full load of courses, so I’m ready to deploy my tuition hack once again.

2. Home

Nothing special happened, just mortgage and HOA. I forgot that it is in fact my car insurance that comes up in April.

3. Necessities
     - $1,018, Auto insurance. This is how much I pay for 6 months of insurance coverage. While a car affords me freedom to travel around town and out of NYC, it comes at a cost.
     - $70, Portable jump starter. It was finally time to get one since I had to ask for a jump start in the past and/or call for roadside assistance. This makes me feel more secure on the road. I just saw…

MMD's May 2019 Money Moves

Time stops for no one. Thus, another month is over. Here's my top money moves for May!

1. Assess new budget/financial trackers (Bye bye, Mint?).
     Last week, I saw major changes in Mint's mobile app layout that drastically reduces the effective everything-at-a-glance nature that the tool used to give me. Now, each section (account totals, budget, cash flow) is separated out into swipe left icons. No. No. No. Recent reviews on Google Play emphasize how much the new app sucks, but bad reviews are not as visible on the App Store for whatever reason. 🤷
     In my first Money Mastery post, I not so casually threw out there that I've used Mint for over 2,700 days. I've used Mint when I was spending under $300/month as a student living at home to being a kickass adult buying my first home and deploying grad school tuition hacks. With 7 years of Mint usage under my belt, I know that it'll be hard to switch to something new, but it may very well be time to do so. I am g…

Passions & Priorities

By high school I pretty much knew that I wanted to do something related to economics, money, or financial services. I was really interested in how businesses are run and how economic conditions affect them. I even wanted to work at the Federal Reserve at one point. I had no family connections to get into the business world so I didn't have a straight or easy career path.

In college, I took on any job I could to make money and allowed me to gain skills (and confidence). I worked all over my college campus. I taught a weekly freshman orientation course for a year and spent several semesters as a tutor in the tutoring center. This work experience helped me land a finance internship and I would go on to work in positions that kept broadening my scope of finance and business operations.

Now nearly a decade into my career, I have never been happier. Of course there have been bumps along the way and I’m not going to say it was all roses. But I truly love my current job and I’m working ha…

Money Diary #004 - March in Review

Looking back at March, I remember a general vibe of awesome-ness. My personal wins included: family time, volunteering, a great performance review at work, and successfully using my Plastiq tuition hack. Last but not least, I spent under $8 for 12 filling meals in Manhattan, via the Ritual app (more deets below. It's like I hit the lottery!) Are the money voyeurs out there early anticipating this every month? Who knows, but here we go.
Here's where I landed in March (numbers rounded for simplicity): 

Top highlights for this month by bucket:
1. Grad School Savings & Payments
     - $5,280, Tuition payment 3 of 3. So ends my installments for tuition for now.
     - $120, Plastiq's 2.5% fee for payment via credit card.

Although it appears way over budget this month, I am ecstatic that my grad school accepted the check that Plastiq cut and mailed to them last month. No news is good news, and I didn't hear a peep from the bursar's office. Now that I know for sure the…

Playing it Safe, or, the Cost of Being Average

Average people like to play it safe when it comes to their money. They will say things like “the stock market is equivalent to gambling” or “real estate is too complicated.”

On some level, risk aversion is a good thing. It keeps you both in line and out of trouble. But the downside of playing it safe includes:
Missed opportunitiesPlaying the blame game during a financial setbackGetting in when others are long goneNever trying at all Such a good quote: “You miss 100% of the shots you don't take.” - Wayne Gretzky
Playing it safe is a general term, but what does it mean for your personal finances? It boils down to taking zero to low risks in financially un-savvy money moves.

The extent of this varies person to person, given your knowledge of personal finance. You may decide to hide your money under a mattress instead of putting it in the bank (this might be actually a worse than average money move). Or, you may decide to dump all your money into a handful of mutual funds in …

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