Who are you?
You can call me QL. I’m 26 and I graduated from college almost 5 years ago. For my first three and a half years out of college I worked for one company….and then I was laid off. That lasted for over a year, and I’ve just recently been hired again! I’m excited to be a part of the workforce again, and I have a renewed excitement about getting my finances in order!
My only debt is student debt (about $30,000 $28,000 now!), and a
$12,000 now $7,500 car loan. I’m very lucky to have been able to save up a healthy emergency fund which was immensely helpful during my prolonged unemployment.
If there’s one thing I learned during my stint with unemployment it’s that I really do have a spending problem. In the past I’ve had my good salary and savings to help me avoid credit card debt, but with my new job I can’t avoid it any longer!
Where did your blog name come from?
I had been working full-time in my first job out of college for a year when I went home frustrated one day with so many things going on in my life…questioning who I am, what I’m doing, who I’m supposed to be with, all for the rest of my life (in other words, typical questions). I thought to myself (being the practical being that I am) “there has to be a name to this affliction of mine!!” So I googled (I know, seriously?) “20-something midlife crisis”. I think I was led to Wikipedia or something similar…and that is how I learned about the “Quarterlife Crisis”. When I finally came up with the idea to start a blog, I wanted to center it on being a 20-something female and money…and so QuarterLife Finances (and QL Girl) was born!
So….what do you do for a living?
Without giving away too much, I graduated from a great engineering school and I’m back to working in a related field of study, although I’m no longer doing any design.
Where did you get your financial “cents” from?
I grew up in what I thought was a middle-class family. While my parents never really spoke to me about money directly, I guess I started to learn indirectly from them early on. While I’ve learned from both parents, I have also learned plenty about money mistakes from them. We struggled a lot financially, and continue to struggle…..my parents are great people, but in a way my motivation for becoming organized with my money was so that I could get as far away from those struggles that I could.
How has your relationship with money evolved?
I started to become more concerned about money in middle school, when I’d save my lunch money in order to buy my first CD player (I didn’t get an allowance, and my parents wouldn’t get it for me). That’s when I started to realize that money had “power”. In college I became obsessed with money, or the lack of it rather. Looking back, I realize this was a pretty dark time in my life, but I’m not sure I’d change anything. My outlook is so much better now, and I’m more proactive about things rather than complaining and becoming bitter….at least I try to.
Whats going on?
After three years of living with my parents, I finally moved out!! While I thought home ownership was the only way for ME to go, I ended up changing my mind, and finding a rental that I totally loved. Unfortunately, that fit in well with my “former lifestyle” (when I was making big bucks). My new job doesn’t pay as well, so I can’t afford my apartment too much longer. =[ I also have a boyfriend of 8 years (meaning that’s how long we’ve been together….not his age), but that’s a whole other story…
Any future goals?
I’m just getting back on my feet after a long period of unemployment, so my first goal is to re-evaluate EVERYTHING in my budget, and probably find a cheaper place to live. After that I’d like to work on my savings, including restoring my Emergency fund to it’s former glory days as well as fully fund my Roth IRA.
Any other questions for me?
Email me! [quarterlifegirl at gmail dot com]