Living with credit

Emily’s list: My 27th birthday edition

Emily Crone

I turned 27 on Saturday, and something about it felt really different from all of my other birthdays. In your early 20s, you’re finishing up college, and it’s OK if you aren’t sure what direction your life is going. When you’re 24, 25 or 26, you’re still in your mid-20s, when many people are still figuring things out and aren’t totally mature yet. But I feel like once you hit 27, you’re officially in your late 20s, and it’s time to get your act together. I was talking to another friend who is about to turn 27, and he said he feels the exact same way.

I know, I know — 27 isn’t old at all in the grand scheme of things. And for the most part, I truly do have my act together. It just feels like a big leap from 26. Maybe it’s because it’s my first birthday as a married woman. People keep asking about where we’re going to live when my husband graduates law school (we don’t know) and whether/when we’re going to have kids (we don’t know). When people used to ask these questions in the past, it didn’t faze me much — those things seemed so far off. But now I’m realizing that I am nearing 30, and those decisions are no longer hypothetical. They are real decisions that will need to be made in the coming years. That gives me both excitement and trepidation.My 27th birthday edition

Regardless of those mixed feelings, I do feel very proud of where I am financially for my age. I have been saving for retirement for several years now, and have steadily built up a nice emergency fund. I rarely carry a balance on my credit cards, and if I do, it’s usually for never more than a month. I side hustle when I need to. I have many other peers who are also on point with me, but I am shocked how many people I see my age or older who seem to lack personal finance know-how. They need to start reading my weekly blog posts!

If you are looking to whip your finances into gear, read on for my roundup of my favorite personal finance blog posts from the past week.

1. Wisebread explains how you can begin to conquer your debt right now.

2. Enemy of Debt discusses the importance of combining your finances and having a joint checking account if you are married.

3. Gen X Finance lists some of the options you have if you can’t pay your taxes, including putting it on a credit card.

4. Your 20s may be when you have the least money, but for those who haven’t had kids yet, it’s also the time when you have the most freedom and time. Studenomics lists some financial risks that may be worth taking while you’re young.

5. Careful Cents continues her “Pay Down Debt Faster” series and discusses the strategy of using found money.

6. Well-Heeled Blog explains why an “I deserve it” attitude can lead to major problems with spending and get in the way of what we truly deserve.

7. Little House in the Valley provides advice on how to keep your student debt low while you’re in college.

8. While having an extra $10 a week doesn’t sound like much, Broke Professionals shows what you could do with it and how it can add up.

9. Wealth Informatic$ discusses how money influences the decisions people make on who to date and marry, even though many people will deny it.

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