I’m Alexandra, and I’m the mind behind Real Simple Finances.
Real Simple Finances was created when I had enough of complicated budgets, unrealistic debt payoff plans, and conflicting financial advice. This blog is where I shares my easy finance tips for real people, which I have learned both from experience, and through my previous career as a banker. Additionally, I am fighting to pay off $51,000 in student loan debt. I will occasionally include life updates about this process, particularly on good months!
The purpose of Real Simple Finances is to motivate everyday people to take control of their financial situations by budgeting, making smart purchasing decisions, organizing their lives, and by taking on side hustles to increase income. While the tips provided here won’t work for everyone, my goal is to send you away with inspiration and motivation.
A few years ago, I realized I was unhappy as a banker. While I enjoyed networking with my customers, I felt a strong desire to go back to school to earn my MA in English and start teaching college. This was my dream job throughout my later teenage years, but graduating during the recession put a damper on my plans, and I had settled for a career I didn’t feel was completely for me.
Taking out a loan for graduate school with an interest rate of over 10% was one of the dumbest things I have done, and when the first interest charge hit my loan I knew I was in trouble. With an additional $45,000 in loans from my undergraduate degree, this new loan’s killer growth, and my decision to leave banking to pursue teaching part time, my thoughts started turning toward making better financial decisions. I wanted to become financially independent.
I started side hustles — jobs that could be done on a flexible schedule around my teaching duties and coursework. I tutored, I waitressed, and I babysat; for almost a full year I didn’t have a day off. In addition, I decided to start blogging so that I could provide motivation for people like me: people who felt their financial situation was a bit too complex for many of the solutions proposed on the internet.
Now, I am starting to see the fruits of my labors. Not only has my dedication to my teaching career paid off, but I have been able to drop some of my side hustles that were too stressful. With our first baby on the way, my husband and I are working even harder (and much smarter!) on reaching financial independence so that we can achieve a work-life balance that supports our growing family’s needs.
Thank you for joining me on this journey! I’d love to get to know you — feel free to drop me a line in through comments on my blog, email (realsimplefinances[at]gmail.com), or Twitter.