catsHello, and welcome to Journey to Saving! Thanks for visiting. My name is Erin, and I am a 20-something year old just starting out on her financial journey. I recently relocated to North Carolina with my boyfriend and two cats (pictured to the right) in an attempt to lower our expenses. Previously, we were living in New York, paying $1,250 for a basement apartment. We knew there wasn’t an affordable future for us there, and we are excited to start this less expensive chapter of our lives =).

Here’s a look at my financial journey thus far, so you know where I’m coming from:


I started my first full-time job at the beginning of the year, after I graduated college. In June, my grace period ended, and I was faced with paying back my student loans. At first, I was only paying the minimum amount. I figured there was no rush on paying them off, assumed that it was normal, and decided to save as much of my paycheck as possible. While this sounded lile a good idea in my head at the time, I later realized it would have been much more beneficial to make extra payments to my student loans from the beginning.


While I did create an emergency fund by living with my parents until mid-2013, $18,000 of student loans was waiting to be paid back. I did my best to make my college education as inexpensive as possible, but it was time to face the facts. I realized rather quickly that I didn’t want to be paying these loans back for another 5 years.

About Journey to SavingI was introduced to the personal finance world by reading Get Rich Slowly, and am thankful that happened. I decided to start blogging in May to keep myself accountable, to take part in an awesome community, and to help others. There are so many bloggers I have to thank for inspiring me to accelerate my payments and rid myself of debt.


I took a lower-paying job toward the end of 2013, where there was less stress (sometimes money isn’t everything), and then said good bye to NY in April. Our expenses are now lower than ever, and we are able to save much more than we were before.

As we knew we wanted to move, I made sure to have a savings buffer in place beforehand as I’d be coming here without a job. Having saved so much is allowing me to have the freedom to try to make a living as a freelance writer. It’s amazing as I don’t feel pressured to make an immediate decision about my future. I’ve rushed into taking jobs before, and it never ended up well.

I’m currently taking things day by day and seeing where life takes me. I hope you join me!

I want to help you start your financial journey

My goal is to reach out to fellow millennials facing a similar situation, and to motivate them to join me on my journey of obliterating my student loan debt. So many of my peers think it’s normal to mosey along, paying the minimum and watching the majority of their money go toward interest. I want to let them know that doesn’t have to be the case. By cutting expenses and being smart about your spending, you can find extra money in your budget to put toward your debt.

I talk about all of that here. I post monthly budgets so you can see how much I spend and where it’s going; the endless benefits of being frugal; financial struggles I face; the importance of defining your values so your spending aligns with them; and I periodically post updates on my student loan debt. It’s a long journey, but I personally believe there’s a lot of value to be had in the experiences we face in paying off debt.

My ultimate end-goal is to become financially independent. I plan on keeping my frugal habits even when my student loans are paid off, so I can invest what I was paying toward my debt. By starting early, time will be on my side, and it will be fun to watch the numbers grow year after year. I realize it can be hard to stay motivated, and that is what I’m here for! I hope to inspire my readers, through honesty and transparency, to take their financial situation to the next level.

19 Responses to About

  1. Mr. 1500 says:

    Congratulations on beginning your financial journey! I look forward to seeing where it takes you.
    Mr. 1500 recently posted: Happily losing $13,000My Profile

  2. Ashley says:

    LOVE THIS! So glad I found your blog- now I need to catch up on your old posts!! I think we are on a very similar journey :)
    Ashley recently posted: The First Day of (F)unemploymentMy Profile

  3. Will says:

    Have you planned a move date yet?! :)
    Will recently posted: How to Avoid a Financial HangoverMy Profile

  4. Pingback: Liebster Award, MVP, and Vacation | Even Steven Money

  5. DivHut says:

    While your site offers many great money saving tips, I enjoy your frugal meal series, I wonder where you plan to place all the money your are saving? Stocks, real estate, gold, etc. I’m coming from the dividend blogging community and like many others is slowly building a passive income stream via dividends and reinvestment. Just wondering where you stand on the investment front. Thanks!
    DivHut recently posted: Can REITs Predict Interest Rate MovesMy Profile

    • Erin M. says:

      Thanks for the question! I haven’t gotten into investing much yet because I am still paying off my student loans. I invested $1,000 into a Roth IRA with Vanguard earlier this year, as I figured something was better than nothing at this point. I am very interested in learning more about dividend investing once my loans are paid off, though. I like to subscribe to the slow, steady, and simple investing beliefs!

  6. Denise says:

    This is an interesting page. Good for you to share your journey so others can benefit. Your reason for the blog is very clear – I like that. :)

  7. Kim P. says:

    Great blog Erin! I can’t wait to read more! Your writing is so welcoming and conversational!

  8. Sarah says:

    Hi Erin!! Your blog is great!! My family and I actually just relocated to NC from AZ last month! What part of NC are you in?? I’m also a freelance writer and editor and just started my own personal finance blog last week! While finance and writing are my passions, blogging is new to me so I’m excited to take on this challenge. Hope to talk to you soon!!

    • Erin M. says:

      Hi Sarah! Thanks so much for stopping by. I’m liking your posts already, and I just added your blog to Feedly! =) We live in Charlotte, NC, but I know that encompasses a huge area. I have no doubt you’ll succeed with blogging if you’re already a freelance writer. I went the opposite route, even though writing has always been a passion of mine. Looking forward to reading your posts!

  9. Sofia says:

    Your cats are adorable!
    Sofia recently posted: Adventures in Coworking: The Salt MinesMy Profile

  10. Paula says:

    Hi Erin,
    I’m a 40-something year old :) living in NJ and working in NYC. I am glad I’ve found your blog thru Frugaling.org. I also want to be FI in the near future!
    Looking forward to reading/learning more about your frugal tips and lifestyle in NC.
    Thank you and have a prosperous and health 2015!

    • Erin M. says:

      Hi Paula,

      Thanks so much for stopping by! Glad you found my blog through Sam’s – he’s a great writer.

      NC is certainly more affordable than it was on Long Island, especially where rent is concerned. Best of luck in reaching FI, and I hope you find some useful information here!

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