Hi I’m Nicole. I’m 23 and just trying to figure out how to adult.

My personal goals:

  • Minimize expenses (cutting unnecessary expenses, meal planning, etc)
  • STOP USING MY CREDIT CARDS. Cash is King. Reward points and cash back only encourage me to spend more than necessary.
  • Pay off my student loan ($4,613.14), ideally by 2019 at the latest
  • Fully Funded Emergency Fund ($7,500-$15,000) by 2019
  • Down Payment (roughly $20,000) by 2020