While Ms. Doodles enjoys financial learning and cooking, writing is my creative outlet. Sadly, it is a skill to be honed. And for the longest time… Honing, I did not. Hence, Doodles and Cents is a journey of sorts.
Personal finance growth is a new love. And thankfully, it is intertwined with my love for the kitchen. More cooking means less dining out.
Getting to know Ms. Doodles
The early twenties were marked with irresponsible spending, obsessive and expensive hobbies, indifferent career choices, and immature financial decisions.
It was tempestuous yet oh-so-fun ride. However, year 28 kicked in. Healthy choices and activities lead to a proud moment where Ms. Doodles lost several dress sizes and gained a light bulb moment. A lifestyle change domino-ed into a fortuitous life experience of career growth, a healthy body, vibrant domesticity, and a spark of financial maturity.
The spark ignited a burning desire… Financial freedom. The elusive path seems nigh. Yet a few strokes on the keyboard… Lo-and-behold, Google guides the traveler to a colorful, sometimes treacherous, and wondrous adventure.
The incomprehensible financial chatter made sense somehow. First, credit score. Scarred with late payments and high debt utilization, yours-truly tackled the bruised credit score. Armed with information snippets from financial gurus, I battled my way to a respectable 799 and a debt-free zone. Second, emergency plan. Debt-free living eases the hurdles of creating a rainy day kit. If Ms. Doodles loses her job today, she can doodle away for at least six months. Third, a retirement plan. A handful of luck came my way in this department. The company I work for ten years offers a generous retirement plan. Even with the irresponsible early twenties, a moderate pension accumulated through the mandatory six percent contribution. Yet this pension alone will not sustain a certain lifestyle in my gray-haired years. So the quest for alternatives commenced.
IRAs, stocks, CDs, Lending Club, Mint and a handful of financial blogs became essential tools for my financial growth. And the journey begins. Roadblocks and dead ends will pop up. Hail, rain, or snow will attempt to sabotage. Yet, Ms. Doodles foresee a bright future. With hard-work, know-how, and the help of the awe-inspiring financial bloggers out there, she will persevere.