easier said than done - the intro

How many of us know what it takes to be financially savvy but still struggle with saving enough, investing enough (if anything at all), and spending wisely, all while maximizing the financial freedom and fun of the "roaring 20s".

Luckily there are so many personal finance enthusiasts, financial self-help books, and relevant methods of saving, that conceptually, being a single 25 year old earning enough money to make financially savvy decisions and have enough disposable income left over to actually enjoy the roaring 20s, seems super, duper, simple. (sorry I know that sentence was long...read it one more time) But that's easier said than done.

I found myself surprised at this revelation...mostly because all throughout college I considered myself pretty financially savvy. I very rarely spent frivolously. I knew how to make and follow a college student budget. I even saved some of the millions I earned during my summer internships.

But during college my budget was so tight that I had very few options for spending. Disposable income back then meant some extra money to spend on a new dress or good eating for a little bit. There was no option (as financially irresponsible as it would've been anyway) to use my "bonus" for an extra vacation or a David Yurman ring I'd been slobbing over. I mean that kind of waste wasn't even POSSIBLE.

Almost two years into a career...I'm working with a much larger salary, more bills, more [expensive] desires, and more disposable income to actually spend on those [expensive] desires. Oh and DON'T forget about those taxes and gratuities. They'll get you every time.

I'm thankful for the extra financial cushion but it definitely leaves much more room for trouble. Saving has become increasingly harder and spending...sooooo much easier.

Needless to say...[the shit] is easier said than done. Part of my reason for starting this blog is to tap into what I like to call "my financial being":

• really think about the financial choices I am making right now. At 25. Before retirement.
• determine how my current decisions are contributing to (and/or hindering me from) my long term financial goals
• enhance my knowledge (and yours) around what it means to be financially savvy...read more, learn more, know more

The end goal is quite simple: to maximize revenue and decrease costs.
After all, I'm trying to build a brand here and in order for that to happen successfully, the business must be in order.