by Ashley L
Hi BAD community! Ashley L., here. I am happy to rejoin the site and continue to share my journey with you. I wrote a few posts at the very beginning of this year, but then stopped writing, so let me remind you a bit about me. I am single, in my late 20’s, and work in education. Currently, I am aiming to both pay down my debt as well as to invest. I am using some non traditional methods to accomplish this, such as house hacking, and hope to use the transparency of my blog posts with you to maintain my accountability and effectiveness on this journey.
In the spirit of transparency, I decided to stopped writing for BAD because I was disappointed with the blog culture here. Sharing a personal finance story on a public domain is a deeply vulnerable and courageous thing to do. I applaud Hope and Ashley for being so brave with both their financial planning and with their willingness to share. I also appreciate for the ways that their stories help others. I expected and even anticipated constructive criticism regarding my posts and planned to use the feedback productively. However, I felt many of the comments were skeptical of me and my story, negative, and void of the supportive and helpful tone that would be appropriate. My plan in returning is to share my journey, use my experiences, and the BAD feedback to continue to reach my goals and hopefully help a few others along the way.
I am excited to share both unfortunate and good updates to my previous stories, and am happy to report that the good definitely outweighs the bad! For example, my house hacking is going well. (House hacking is a newly coined-termed that refers to an old idea of renting out living space to offset living expenses.) There have been some downfalls in the mix. I ended up having to find kick one of my roommates out. That could be a Lifetime story and post on its own. I’ll revisit. In my other home, I also experienced some very frustrating events that bled me of a few thousand dollars. I am bouncing back. I had to take down my rent in my house hacking home, but it is fine because it still covers my entire mortgage and all utilities and I have a good living situation with my roommates.
My budget is also seeing some positive changes. I have had modifications to my income, and of course, changes to my expenses followed. I was able to eliminate a recurring payment (for now) and also added a new recurring payment. Recently, I updated both my monthly budget and my weekly budget and am now able to save more than I have since I lived with my parents.
I look forward to picking up where I left off although there are many changes. Life changes and in seeking growth, I am changing along with it.