Hi. I’m Melissa. I’m 30. I have no idea what I’m doing with my money. I realize I’m pretty lucky. I have a tiny bit left to pay off on a school loan, no real credit card debt, a full time job and no big bills. So I have a little extra cash… and no idea what you do with it. This is my journey to suck at investing a little less. Because I’m scared of retiring to a cardboard box under an overpass in 40 years.

And maybe I might want to buy a house in the next 5 years. And I would like to be financially prepared to be able to do that, too. So hopefully, these are my first steps on a journey to financial stability.

7 thoughts on “About

  1. So here I am reading articles on your website thinking I should bookmark it (and I have) when I see a photo of people I recognize. Then and only then do I realize I know you from ships – hope you’re well!


    • Ack. Awkward. You’re the first real person to find me. :P Let’s pretend like you didn’t and speak of this to no one. Although you might get a kick out of the day in the life of a cruise ship stage manager… I bet you’d recognize which ship it was immediately.

  2. Hi,
    You have a nice site, full of thoughtful content. At ages 29/30 I was debt free, shoveling cash into retirement accounts and saving for a house. I remained debt free until age 33 when I took on a mortgage that was a little less than 3x my annual salary at the time.

    Then I changed employers for a big raise, harder work and strenuous travel.

    I was able to pay off the mortgage in 13 years and I am once again shoveling cash into retirement accounts and taxable investment accounts. I now actually am starting to believe I have a decent chance at not living in poverty when I leave the workforce!

    If I can do it, you can do it.
    All the best to you!

  3. I just hopped over from the post you guest-wrote about life on a cruise ship, and I was wondering if you could share a bit about life after the cruises?
    I’m about to embark on my first contract as a Purser, but I wanted to know what’s it like after the ships as well.

    • Hey there! Well, I worked onboard for several years as a stage manager, so our lives there are probably pretty different. But shiplife as a whole is insane and when you move back to land after a while at sea, everything just seems too slow and boring for a very long time. I’ve been on land for 3 years and I’m used to it, but I still miss the good times on ships and occasionally have to fight the urge to go back. It’s also difficult transitioning work-wise. Most of the people I know (and me) wound up unemployed for a few months when transitioning off ships and back to land. But I wouldn’t trade the time I spent at sea for anything.

      A great blog to check out about life after cruise ships is http://mackenzieames.com – she doesn’t update often, but she wrote a lot right after she got off ships, so go back to her earlier posts. They’re hilarious and very accurate.

  4. Pingback: The Safety Cost of Being a Girl | Blonde & Balanced

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