Women's Personal Finance Wednesday Roundup

Women’s Personal Finance: Wednesday Roundup September 13, 2023

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Welcome to the Women’s Personal Finance Wednesday Roundup! We started this series back in 2018 on TreadLightlyRetireEarly.com to showcase the fabulous women in the online personal finance community who are talking about money online. Even now, there is a perception that women aren’t good with money, don’t care about money, or don’t understand it on a granular level beyond perhaps knowing how to coupon and score a good shopping deal.

These roundups are our way of doing a small part to change that perception. There is no shortage of women online doing their part to make it clear that they DO understand money, and these posts are meant to amplify that fact.

Why does it matter? Because representation matters. Because reading and hearing stories from those who (may or may not) look like us show us that yes, we too can figure out this money thing, that we too have important stories to tell. And that we too know quite a lot about money and are experts worth listening to.

Since Women’s Personal Finance has grown up to get its own website, it’s time to transition these roundups over here to the dedicated website. Same great content, new home!

Our Women’s Personal Finance Facebook group on Facebook also has a sharing thread on Fridays, and that’s the place to read all the blog posts written by members over the previous week. If you’re looking for more articles written by women and nonbinary folks, that’s a great place to continue reading (plus we have plenty of great discussions on finances the rest of the week as well!).

If you don’t have the time or inclination to go searching down myriad posts, though, we will be continuing this series every week to showcase some of the best of the new content we read. If you ever read a post you think we absolutely need to consider for this roundup, please let us know! We are always open to reading new blogs and want to celebrate those newer voices as well as the more seasoned ones.

And with that, here is the best (in our opinion) content by women and nonbinary folks this past week. Let us know what you think in the comments! We love discussion.

Women’s Personal Finance Weekly Roundup #102 (Actually, 241)

1. If Your Employer Refuses To Negotiate Salary, Try These 11 Creative Counteroffers by Bitches Get Riches

All of which is to say: if a potential employer refuses to negotiate salary, it doesn’t mean that their offer is bad. Internal policies far more benign than the one I just described dictate salary offers. Some employers have a strict system for salaries based on tenure, experience, performance, or job title. Others must adhere to government guidelines or union rules regarding fair salaries.

It also doesn’t mean that the conversation is over. You can ask for so much more than money! When an employer refuses to negotiate salary, they’re giving you leverage to ask for other things. Today, I’ll give you a few ideas for creative counteroffers that will make your life better and sweeten any job transition. Even better, I’ll suggest some simple scripts you can follow to maximize your chances that they’ll say “yes.”

2. For Women With Money Issues, an A.D.H.D. Diagnosis Can Be Revelatory by Paulette Perhach for The New York Times

“In 2021, when I was 39, my frustration pushed me to cobble together the money for a test. My diagnosis handed me a map to the mental landscape I’d wandered lost in for four decades.

According to the Centers for Disease Control and Prevention, boys are more likely to be diagnosed with A.D.H.D. than girls during childhood, because boys more often display the well-known hyperactivity trait. But more women, who tend to display the lesser-known inattentive trait, are being diagnosed later in life, thanks in part to A.D.H.D. groups and content creators who have helped them recognize that they have symptoms of the neurodevelopment disorder. From 2020 to 2022, the incidence of A.D.H.D. diagnosis in women between ages of 23 and 49 almost doubled.

For many of us, the dots connected straight from our diagnosis to our checking account. As one person in a Facebook group called Neurodivergent Finance/A.D.H.D. Finance put it, “You folks get the panic.”

3. 5 money lessons you should know by 30 No Budget Babe

“Number 2. Your home isn’t an investment – it’s your shelter. Most people’s homes are their “best investment” because they’ve never actually invested. It doesn’t matter if your home has gone up in value, because so have all the other homes – unless you significantly downsize or move somewhere much cheaper, you’re just living in your money. An investment pays YOU, YOU work to pay for a house – even when the mortgage is gone.”

Thanks For Supporting These Creators!

As always, if you’re looking for a categorized list of self-identified women and nonbinary folks writing and speaking about personal finance, here is the comprehensive guide to the Women of the Financial Independence Community.

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