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Freelance writer & indie author sharing thoughts on life, society, creativity, and productivity. https://karenbanes.com

But Gen X are carrying more debt

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If you follow the topic of personal finance online, you’ll find a lot of Millennials voicing their financial concerns. It’s so common to hear that their generation have it hardest financially, most of us accept it without question. We believe the rhetoric. The Millennials have a problem. The Boomers ruined…


And make my life so much better

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So much personal finance and frugality advice is based on depriving yourself now, so you can live better later. But it doesn’t have to be like that. Some of the things that save me money are also the things that make my life better, right now.

DIY Fitness

Honestly, the fitness regime…


And they’re not all on minimum wage.

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According to Reality Check: The Paycheck To Paycheck Report, 54% of Americans define themselves as living paycheck to paycheck. This may not be that surprising, given the low federal minimum wage and the fact that a large section of American society is classified as low-income, but not all those who…


Saver, spender, gambler, worrier? It helps to know what’s driving you.

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You may or may not know if you’re a ISFJ or a ESTP, but those are not the personality types we’re looking at here.

According to Ken Honda, author of Happy Money: The Japanese Art of Making Peace With Your Money, your money personality type can help you understand your…


I can’t compete with married men unless I also have their most valuable asset.

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The first time I heard a heterosexual woman say she needed a wife was around ten years ago. She and I were both moms who worked part-time and had also chosen to go back to school full-time. …


They don’t care about those babies once they’re born. Or the people who birthed them.

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Texas passed a new law this week. Abortions will no longer be legal if carried out after a heartbeat can be detected. Usually at around 6 weeks and sometimes before a woman is even aware she’s pregnant. The law makes no exceptions for rape, statutory rape, or incest, which are…


Starting out right can make a real difference.

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The year after you graduate college is as good a time as any to get your personal finances on the right track. Here are a few things to keep in mind as you do.

It doesn’t hurt to keep living like a student

The idea that graduating is the start of your adult life doesn’t mean you have to…


Even in the midst of Covid chaos.

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It’s been a tough 18 months, and it’s not getting a whole lot better. Sometimes it feels like it’s getting worse. Covid is still here. Vaccinations aren’t the magic bullet we hoped for. Misinformation based on personal preferences abounds. …


And Covid has punched us all in the mouth.

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It was reportedly Mike Tyson who originally said that everybody has a plan until they get punched in the mouth. So I’m assuming he was talking literally. …


At least not when it comes to sexual assault.

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Recently I started reading a political Facebook thread. No, I don’t know why either. They are simultaneously depressing enough to make me wail out loud and annoying enough to keep me up all night.

This one involved a Republican and a Democrat fighting over who is the sexual assailant, Donald…

Karen Banes

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