Miss Thrifty is a 20-something living (with Mr. Spendy) in the South. She's a transplant to the area though, so she still hasn't built up an adequate humidity tolerance or love of sweet tea. She hails from self-made millionaire parents, although she had no idea when she was growing up that they were wealthy. Miss Thrifty went to college and grad school, with the generous help of her parents, scholarships, assistantships, and student loans. Miss Thrifty works in education. Miss Thrifty thinks she's pretty good with money although she could be better. Immediate goals: completely pay off student loans this year, have enough saved to buy a reliable used car with cash when her 10-year old car kicks the bucket, save 20% for a down payment on a modest home.
Mr. Spendy is a 20-something living (with Miss Thrifty) in the South. He's from here but prides himself on not sounding like it, with an accent that only comes out when frustrated. Mr. Spendy comes from modest parents who have never owned a credit card and have always been able to make ends meet somehow. Mr. Spendy went to college exclusively on his own dime. Mr. Spendy works with computers all day. Mr. Spendy thinks he's getting to be pretty good with money although he could be better. Immediate goals: complete emergency fund with 6 months of living expenses, have enough saved to buy a reliable used car with cash when his 20-year old car kicks the bucket, save 20% for a down payment on a modest home.
Mostly because Miss Thrifty has a lot of money anxiety and thinks that by blogging about it, she'll channel her obsessive thoughts about account balances and planning for the future into something constructive. Hopefully more than something constructive -- something that can help out 20-somethings in similar shoes?
Recently, Miss Thrifty has grown very annoyed with social media posts of her peers that point to carefree, sometimes downright luxurious lives. How do they afford it? No, seriously?! To get on her soapbox for just a 'sec, Miss Thrifty thinks that some of them might just be total phonies who are up to their ears in credit card debt. Or, they make so much more than everyone else? In a world where so much of our lives are lived online, why the lack of transparency on this front?
Got a question for Miss Thrifty or Mr. Spendy? Email us:
thriftymeetsspendy [at] gmail [dot] com