Issue #77 / Nov. 9, 2018

✨ Catch up on what ya missed this week ✨

unnamed (1).png



  • DEMS TAKE THE HOUSE: A split Congress will slow down legislation on social security, Medicare and other retirement-related issues, MarketWatch reports.

  • VC FUNDING: Venture capital funding for female-founded startups is down this year, TechCrunch reports. Just 2.2 percent of VC money was invested in female-founded companies. 

  • UNBELIEVABLE: Christine Blasey Ford has had to move several times, and has been unable to return to her job as a professor, NPR reports. 

  • PE BALLOTS: Private equity firms are behind the three major voting machine companies, according to Bloomberg

💰She Spends on Patreon💰 

We have covered our overhead costs, but our next goal is to pay writers and editors for contributed content, which will cost $300 per month. Consider supporting us through Patreon, and you'll receive shoutouts, extra newsletters and more in return.

She Reps.png

Nothing frOm us this week!


Welcome To The She Spends Savings Challenge: Week Four

Welcome to week three of the She Spends savings challenge! As a reminder, use the #SheSpendsSavingsChallenge as a hashtag and update us on your progress in the Facebook group! 

This week, we’re focusing on investing our earnings. If you've missed the first three weeks of the challenge, you can find them here

In this week's challenge, we're going to focus on ways you can prepare for the upcoming spending season. According to the National Retail Federation, Americans plan to spend roughly $1,000 on average this holiday season. That is a lot of money! But it makes sense: when you begin adding up gifts, travel costs, community donations and other spendy situations, $1,000 doesn't seem that huge.

There are easy ways to make sure you're in control of your money this holiday season. Use our holiday spending guide to perform a check-in with your money at the beginning of the next three months. Gear up for celebrating the holidays in the office, with tough family members and personal problems (all of which can involve emotional spending!) using our guide to the holidays.  

If you're looking to contribute to your community during the holiday season, consider shopping locally. Check out our guide for easy ways to do it. You can also use our guide to supporting a cause you believe in (many of our ideas don't involve spending money). Finally, check out our guide to supporting your community without going broke. 



We're sharing the spending secrets of one woman each week - completely anonymously. This section draws inspiration from Refinery29's Money Diaries and New York magazine's Spending Diaries (gotta give credit where it's due, right?) Click here to take our anonymous survey on spending habits. 

How a 28-year-old Saint Paul, Minnesota-based independent book publicist spends:

  • SALARY:  I make $90,000 per year as an independent book publicist. At all of my corporate jobs, I negotiated for promotions with raises and got them.

  • SAVINGS: In our joint savings we have about $10,000.

  • MONTHLY EXPENSES: My husband & I recently bought a house, so my half of the mortgage is about $1,000/month. I pay for my own health insurance. We pay $200 for a family gym membership (split between my husband & I), $150 for pet insurance for our two dogs, roughly $200 on bills & utilities (cable, electric, etc.). I also contribute to a few of my favorite artists' Patreons, which comes out to $50 each month. We use my parents' Netflix account and have been thinking about adding Hulu but haven't done so yet. 

  • DEBT: I actually just fully paid off my student loans this year (YAY!), but am now in debt with my mortgage. We're working to pay extra on top of the monthly bill (of about $2,000) in order to pay it off faster. 

  • INVESTING: I have 401(k)s from previous corporate jobs that I need to roll over into a Roth IRA. It's my goal for next year to get my independent retirement accounts in order! 

  • SPENDING VICTORY: Moving! I lived in NYC for a long time, and hit a wall and ended up moving across the country to Seattle. It was expensive for sure, and risky, but I'm so glad I trusted in myself and made such a major change. Also, any money I've spent on my animals (2 dogs and a cat) is always very well spent! 

  • SPENDING REGRET: A million little things that added up to a lot! I'm glad I went out a lot for dinner and drinks in my post-college years in NYC, but I definitely could have been WAY better with saving and thinking about my future financial goals. 

  • CHARITY: I donate monthly to RAGOM, which is a golden retriever rescue based in the Midwest (where I live now) that I volunteer with. I also donate to the other rescue I volunteer with, the Minnesota Newfoundland Rescue.

  • GOALS: Beefing up my retirement account! I started my own independent company a year ago and it's been on my list from the start to get in order. I'm finally making steps to combining all of my individual retirement accounts and getting serious about investing.  


Updates, blog posts and other important things:

  • FACEBOOKIN': We talked about socially responsible investing and dental health in the Facebook group this week. Join us!

  • CONTRIBUTE: Support us through Patreon! Your patronage can help us continue to create tools that empower women to hammer away at the glass ceiling. 

  • PATREON SPOTLIGHT: Shoutout to Patreon supporters Alexis Andreas, Jacob Bell, Lauren Bonner, Mimi Chiahemen, Emma Court, Rachel Creager, Maria Eisenberg, Sara Guenoun, Christine Hinojosa, Ellen Kern, Tim Livingston, Duncan Magidson, Carolyn McElhaney, Hanya Moharram, Emily Munson, Gracie Raver, Julia Reinstein, Bill C. Smith, Carmilla Tan, Anita Whitmore, Ally-Jane Grossan, Kristina King, Laura Porter and Sara Rosso. Couldn't do it without you!  


Like what ya see?

The best way to read She Spends is

in the comfort of your email inbox,

every Friday, every week,

at 8:30 am.