When my husband and I started dating, he had no idea that I had credit card debt. He, fortunately, did not have any debt. In fairness to myself, I was working hard to pay off that debt. But as the years passed (six to be exact) and we neared our wedding day, I somehow still had credit card debt! He still did not. I believe I had at least a few thousand dollars on the cards at the time of our wedding. I was lucky in that my new husband wasn’t deterred by my spending problem. Although I know he wasn’t thrilled with it either. I say that I’m lucky because money problems are one of the biggest relationship crushers out there but we muddled through to that golden moment of debt-freeness. Couples and credit cards can mix as long as both parties are willing to communicate. So before you get too involved or if you are already with your partner for the long haul, you should really ask yourself and your loved one these basic but somehow much overlooked questions about their credit card habits. Continue reading
It started it out so well. We had lived together in Korea, Vietnam, Czech Republic, with a very short stint in Taiwan. We were having a great time- earning enough to more or less spend without thinking. We would buy each other beautifully expensive Christmas presents. We would eat out regularly, and the less said about going out partying, the better. Basically, we were living the ESL teacher expat lifestyle. I know not all ESL teachers abroad live like that, but let’s face it- a lot of us do.
Traveling is one of the great perks of being an ESL educator. Our profession allows us the chance to live, work, and holiday in many parts of the world. I want to talk about one particular country, Ireland. I mention Ireland because it has a special place in my heart because my husband hails from the Emerald Isle.
Getting to Ireland from the States can range from super-expensive to fairly cheap. I’m guessing the same frugality that runs through your veins is similar to mine, so I’m going to focus on the ‘fairly cheap’ side of traveling. Here’s how you can Continue reading
This is a three-part series discussing men and women and their (retirement) savings with an overarching trend that women of TESOL need to start saving more for retirement. Part I gives you a simplified comparison between women and mens’ savings rates according to the INGCompareMe application. Part II looks at the results of an informal survey given to 21 men and women TESOLers regarding career, salary, and savings. Lastly, Part III looks at various options of how to save and savings goals for TESOLer women.
For some reason, in the back of my head, I have always thought that women are better savers than men. Perhaps watching too many movies has altered my perspective on reality. I have heard a plethora of actresses stress that they always save aside some ‘crazy money’ or ‘mad money’ just in case. Without fail they have some secret stash that always comes in handy whenever times are tough. In reality, statistics prove otherwise. When it comes to men vs. women with savings, Continue reading
Living a frugal lifestyle is great, so once we heard about travel hacking we jumped right in. The problem is that signing up for multiple credit cards and then having to make the minimum spend on each within a certain time frame could prove challenging, especially if you are frugal and like to stick to a budget. Continue reading