A Long Overdue (Major) Life Update

Life has been all sorts of crazy this year - from a breakup to a huge move, another move, and a new relationship, here's what's been going on.Over the past several months, writing a post has been on my mind, but I haven’t been quite sure where to start with it.

A lot has changed this year, and I wasn’t ready to write about many of those changes, especially as they were happening.

But I’ve always been me and I’ve always written about my life on here, so trying to get around that meant there were no words.

Recently, I’ve felt this itch to write something grow stronger, but then the obstacle was finding the time.

Of course, we can’t magically discover additional time and slide it into our day, so I’m forcing the time right now.

Better late than never, right?

I’m going to take a stab at writing down all the major, crazy changes I’ve experienced, and since this is a personal finance blog, I’ll also let you know how these changes have impacted my financial situation.

Let’s start off with a bang, shall we?

I Moved to Austin, Regretted it, and Moved Back to the East Coast

As some of you may remember, I had my eyes set on Austin, TX as my next destination after spending two years in Charlotte, NC.

Truth be told, while Charlotte is a cute little city, it wasn’t the city for me. At least, maybe not for the time in my life.

I moved there with nothing except a partner, my cats, and my parents living 3.5 hours away. No friends, no job, and a hefty emergency fund.

I became a freelancer and worked my way up from scratch, which caused a lot of stress. I tend to save money out of fear, and that fear was amplified when I wasn’t bringing in any money. (Imagine that!)

In reality, I was fine. My emergency fund could have sustained me for a year or more, and I had my partner’s income to rely on, but that didn’t sit well with me. So when I finally started making money, I wanted more. And more. And more.

I barely ever stopped working. I kept saying yes. I essentially threw my life out the window.

I never made any friends in Charlotte; it never felt like home.

I left for Austin with little other than what would fit in my 2-door car.

That didn’t include my cats. That didn’t include my partner. And my family was thousands of miles away.

I kept thinking if I could move, if I could start over, it would all be okay.

But that was foolish. A change of scenery doesn’t change who you are, and it certainly didn’t change me, as much as I wished it could.

So after a hot minute in Austin (okay, it was a few months), I left with my sights set on a location I never, ever, ever thought I would be in…

New Jersey.

(Look, I’m from NY, we grow up thinking NJ is dirty and smelly and that they suck.)

I’m still cat-less, but I have a dog. I’m in a new relationship with someone who understood me better than I understood myself after about a month of talking. And my family (sans parents) are now 2 hours away.

What the Hell Were You Thinking?

I refrained from sharing this for a while because I was afraid of judgment.

But that’s ridiculous. This is my blog – the little home on the internet I made for myself. If I can’t write about my life here, then what’s the point?

And if I can’t write about it in a way that’s real and authentic, there isn’t any point.

I came to this conclusion after renewing my hosting and domain a few months ago. That’s when I knew I had to stop caring, and just write.

With a dose of some brutal honesty.

So, what was I thinking? I can tell you I was overthinking just about everything this year. It has been a crazy ride with a lot of tears, doubt, and fear.

I was extremely unhappy in Charlotte, and I had no idea what was wrong.

I had everything to be thankful for. A good relationship, good clients, good money, being close to my parents, being able to travel to see the rest of my family … but something still wasn’t right.

I felt like a horrible person for thinking that. So I kept myself trapped, and as each month ended and time kept passing, I came back to the same question: Why am I unhappy?

Life doesn’t always make sense.

Some of the hardest decisions to make in the moment are the right ones.


So I wrestled with feelings of guilt month-in-and-month-out until I finally put my foot down and said, Enough. It doesn’t matter why. It only matters that this feeling is real. And it’s destroying you.

With a very heavy heart, I said good bye to the two years I spent in Charlotte with nothing to show for it.

This was made more difficult by the fact that Austin was where my ex and I were “supposed” to go next. It had been our plan. But I was the one executing it – alone.

I might talk more about this in the future, especially because I felt alone going through it (and no one should feel alone in that situation). We were engaged – we were supposed to get married and have some happily ever after thing. But all I felt was guilt and shame.

Pulling the trigger and leaving was one of the hardest things I’ve ever had to do, but I can’t say I’m not happier for it. It was the right thing for both of us, but it was also the thing neither of us wanted to face.

Downsizing to a 400 sq. ft. House

Let’s fast-forward a bit. For the sake of brevity (hahaha this post is going to be anything but short), I’ll just let you know that in between moving to Austin, I connected with a friend I made a year ago. That connection very unexpectedly turned into something equally unexpected, which is why I’m in NJ.

I’ve been through long-distance relationships before, and this time around, it wasn’t for me. My partner leads an extremely busy life and I wanted to be part of that life.

I could have stayed in Austin for a year until my lease ended and spent my time up here anyway, but after creating a spreadsheet and breaking down all the costs (as normal people totally do), it wasn’t worth it.

I spent a month and a half in NJ during the spring and dreaded going back, but we had our yearly convention to attend, and it’s in Austin, so it made sense to stay until after.


Once again, my car was packed to the brim, and we set out on a three-day move. To a house. That my partner owns.

Some of you might recall I’m staunchly against home ownership. It’s just not for me. I’m fine with renting. So this is quite a new experience…especially as the house is smaller than any apartment I’ve rented.

I’ll say it’s a good thing I only moved with what could fit in my car, and living in a smaller space really makes owning less shit more important.

Impact on finances: I pay $500 per month for my share of stuff, which beats the hell out of the $1,100+ I was paying in Austin. I’m also a few blocks away from the beach, a crazy long bike trail, and an amazing bakery. Moving didn’t cost much without a truck, and my partner covered the nights we slept in hotels.

I want to point out that I realize how lucky I am to have the flexibility to move on a whim. If I had been at a regular job, I would have had much more to worry about.

Filling a Void – Pets

As I mentioned, I parted ways with my cats when I moved.

One of my cats lives with my parents. They always babysat when needed, and we noticed how much happier she was there than at the apartment.

Even though it hurt to leave her, she was our family cat first, and she keeps my parents company. She loves being outside in their enclosed porch, and I get to see her via Skype and when I visit, so it’s not all that bad.

My other cat remained in Charlotte because I couldn’t fathom bringing her along on my 24+ hour journey to Austin. My future was uncertain – I wasn’t sure what my travel plans were, and stability was better for her.

My partner is a dog person, through-and-through. Getting a cat was not a priority. And since I’ve wanted a dog for a few years, we agreed to get one.


He is blind, but you’d never guess because he’s amazing at navigating around the house. He does it better than me (I’m super clumsy, okay?). He’s 5 years old and a mush.

He’s also a pit-mix. I don’t care what people say – most pit bulls are friendly and adorable. If they’re bred to be jerks, they will be, and that goes for any dog.

He’s had his dog moments, but he can usually be found snoozing on the couch or at the foot of our bed, being adorable. He’s very low-energy, which is perfect, and he loves food.

However… even though I love dogs, I’ve had cats for the last 10 years of my life, and I honestly don’t feel like the house is complete without one.

Impact on finances: I was already used to buying litter and feeding two cats, so the impact was minimal. We split the costs, and I have a savings fund dedicated to pets in case anything goes wrong.

Where do I go from here?

Man, we’re coming up on 2,000 words here, and I feel like I haven’t said much.

I know, that’s ridiculous. I’m sorry for being all over the place – posts from here on out will be much more structured! I just had to clear the air, for my own sake, before continuing on, without my usual perfectionist streak blocking me.

I guess I should reiterate that I consider my blog my home, and I invite others in both to learn from my experiences and to share their own so I can learn from them.


That said, you might notice some changes in my writing style. It’s very difficult to showcase personality through text sometimes, doubly so if you’re sarcastic, but I’m going to try my best.

I’m done being stifled because people need to be “PC.” I like to make jokes, I like to curse (fun fact: my first word was shit, even though my mom denies it), and if you don’t like it, that’s perfectly fine. My writing isn’t for you.

If it’s one thing I’ve learned from writing and “being on the internet,” it’s that you cannot make everyone happy; it’s a waste of energy.

You also need to create content you’re happy creating. I want to create content I enjoy, and that means opening up more and being myself.




  1. Kassandra September 19, 2016 at 6:04 PM

    I am happy to know that you are in a better place, in all regards. Life is too short and precious to not truly enjoy life as you want to experience it. Glad to have you back on your blog!

    1. Erin M. September 19, 2016 at 6:09 PM

      Kassandra, I miss you! I hope you’re doing well. =) “Life is too short” was something I found myself repeating many times over last year; definitely agree with that sentiment!

  2. Lynn Ling September 20, 2016 at 12:48 AM

    That’s really a major life update. I am glad that you find yourself in a happy state again. And thanks so much for sharing how you handling breakup finance. It’ll come handy.

    1. Erin M. September 21, 2016 at 3:29 PM

      Thanks for reading, Lynn!

  3. Sarah September 21, 2016 at 6:39 PM

    Erinnn!! I randomly will check your blog hoping for an update! I had wondered how you liked Austin!! I’m very happy to know that you are doing well and seem to be HAPPY! :) Yay! Life is short; you gotta follow your heart and find a place that to you is “home.” Glad to know you’ve found that!!

    Unfortunately I won’t be at FinCon this year :( I love San Diego and grew up going on summer vacations there. Hope you have a wonderful time!!!!!

    1. Erin M. September 23, 2016 at 8:05 PM

      Sarah, thank you so much! I’m sad you’re not here, but maybe next year?

      Austin isn’t a bad city (aside from the horrendous traffic), but it just wasn’t for me right now. I don’t know that I’d call NJ “home” just yet (ha, I’m still resisting…), but it definitely feels closer to it than Charlotte did. I hope you’re still enjoying it!

  4. Mustard Seed Money September 26, 2016 at 5:32 PM

    Wow what a journey that you have taken. Sounds like you are in a better place now. Good luck in your new relationship and hopefully you continue this awesome progress.

  5. Centsai September 29, 2016 at 5:47 PM

    “Life doesn’t always make sense. Some of the hardest decisions to make in the moment are the right ones.”

    This quote is something we feel that everyone can relate to! Life is hard, and confusing at times. If you aren’t happy, then changing your life a bit and moving places to make yourself happy is the right thing to do! Also, getting a dog can really bring up your happiness as well, not to mention that your dog is so adorable!

    1. Erin M. September 29, 2016 at 5:50 PM

      Thanks – that’s one of the reasons I enjoy Centsai’s blog!

      Haha, he is rather adorable. I definitely think pets can bring a lot of people happiness. There’s a reason pet therapy exists!

  6. Jamie V September 30, 2016 at 6:23 PM

    Glad to hear from you, and I am glad that you are happy on this big adventure of life again. :) We should be happy, and sometimes there are a lot of growing pains to get there (something I’m working on myself right now). I’m still trying to figure out what’s wrong, for me. Kudos to you for having the courage to make changes to find what’s best for you! It’s really hard to put your foot down, say “enough”, and change life up. It’s scary. You are wonderful, Erin. I am happy you are alive and well. Thank you for sharing your adventure with us! :)

    1. Erin M. September 30, 2016 at 6:32 PM

      Thanks Jamie! I was actually thinking about you the other day when I hit publish. I’m always humbled when people stick around to read my stuff. =) I’m sorry you’re also going through some growing pains. It’s definitely tough, especially when you can’t put your finger on it. It may be scary in the moment, but I can certainly say it’s worth it (after making a few mistakes and stumbling along the way). I hope you find that happiness!

  7. anonymous October 3, 2016 at 12:41 PM

    Feel free to delete or not approve this comment, but I had to share.

    My wife has been dealing with postpartum anxiety and depression since the birth of our son, so I’ve learned more than I ever wanted to know about depression, anxiety, and mental health issues in general.

    Said without judgment, it sounds like you were suffering from depression in Charlotte, and that’s very hard to kick solo, even with a change in scenery and life. I’d talk to someone – there are programs across the country that can help, often a no or low cost. Any problems you have will follow you wherever you run – best to turn and face them head on.

    Something to think about.

    1. Erin M. October 3, 2016 at 8:33 PM

      Oh, you’re fine! I appreciate it. I’ve spoken about my bouts with depression on this blog before (mostly in my “being grateful” series, which has actually helped me), and I can definitely say I was going through a bit of it the past few years. Thankfully, it wasn’t as severe as it has been in the past. I’m much better now with the support system I have in place, though there are still ups and downs, but that’s life. I hope things for your wife are looking up – I can’t imagine how hard going through that is.

  8. Melanie @ Dear Debt October 3, 2016 at 5:51 PM

    I regret not seeing you more at FinCon! I hope to see you this Thursday though. So glad you are blogging again. :) Yay!!!! You rock girl and we love you. XOXO

    1. Erin M. October 3, 2016 at 8:30 PM

      I know! You were so busy, but I’m sure you did an awesome job with all the events you coordinated. I’m hoping I can make it Thursday – I forgot about a commitment I had beforehand (gah), but I’m going to try!

      Aw, thanks! I’m lucky to have so much support from such awesome people! <3

  9. NZ Muse October 3, 2016 at 5:59 PM

    You have been through so, so much! In awe of your strength and honesty.

    1. Erin M. October 3, 2016 at 8:28 PM

      Thank you! I always love the honesty on your blog as well. =)

  10. Andrew@LivingRichCheaply October 4, 2016 at 2:32 PM

    Wow, a lot has gone on since you last posted. It’s great to hear that you sound like you are in a good place now. And good to hear that you found a location that right for you…even though it’s JERSEY! =) But hey, you’re back in the Northeast and it’s not too far from your parents and not too far from your hometown. Glad you’re rebooting Journey to Saving.

    1. Erin M. October 4, 2016 at 2:41 PM

      Thanks Andrew! Haha, yeah, never thought 2016 would be this busy but I’m glad I’m mostly settled in now. Being in limbo is hard!

      I know, I know…this part of NJ isn’t too bad, at least. I can see the NYC skyline! I just wish the Belt wasn’t so bad or that train tickets weren’t so expensive as it makes getting into LI a bit difficult, but it’s still much better than a 12 hour drive. =)

  11. kay October 25, 2016 at 7:24 PM

    You look SO much happier and lighthearted now! And your purple hair is stunning on you. Congratulations on your great escape AND your even greater new start! :)

    1. Erin M. October 25, 2016 at 9:43 PM

      Hey Kay! Thank you on all fronts. =) I hope you’ve been doing well!


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