# Sisters & Dollars

> Money made simple, one sister at a time


## Posts

- [Forgotten Subscriptions: How One Sister Pays $1,103 a Year and the Other Pays $300](https://sistersndollars.com/forgotten-subscriptions-cost/): 9 subscriptions at $91.91/month cost $1,102.92 a year. Keeping 2 at $24.98/month costs $299.76. That's $803 a year back. Here's how to audit yours.
- [The $7-a-Day Coffee Habit: $0 vs About $36,000 in 10 Years](https://sistersndollars.com/7-dollar-coffee-invested/): $7 a day is about $210 a month. Invested at an assumed 7% return, that's roughly $36,348 after 10 years. Spent, it's $25,200 gone. See the math.
- [Pay Yourself First: How One Sister Turned Her First Paycheck Into $20,000](https://sistersndollars.com/pay-yourself-first-first-paycheck/): Auto-saving 15% of a $3,500 paycheck ($525/month) at an example 4.5% APY grows to about $20,168 in 3 years. "Later" stays at $0. See the math.
- [The Minimum-Payment Trap: A $3,000 Card Balance Paid Off in 15 Years vs 2 Years](https://sistersndollars.com/credit-card-minimum-payment-trap/): $3,000 at 24% APR: minimum payments take about 15 years and $4,887 in interest. A flat $150 a month takes 26 months and about $870. See the math.
- [$200 a Month, Three Start Ages: Why Starting at 22 Beats Starting at 38](https://sistersndollars.com/invest-200-a-month-start-at-22-vs-38/): $200 a month from age 22 could grow to about $655,000 by 65 at an assumed 7% return. Start at 38 and it's about $191,000. See the full math.
- [Your 401(k) Match Is Free Money: Why Skipping It Is Like Turning Down a Raise](https://sistersndollars.com/401k-match-free-money/): On a $50,000 salary with a 4% match, skipping your 401(k) match can mean giving up $2,000 a year. See the math and how to claim every dollar.
- [Your First Credit Card: The One Habit That Builds Credit Instead of Debt](https://sistersndollars.com/first-credit-card-pay-in-full/): Same first credit card, two habits. Paying only the minimum on $1,000 at 24% APR costs $227 in year one. Paying in full can cost $0. Here's the math.
- [Same $10,000, Two Banks: Why One Sister Earns $1 and the Other Earns $400](https://sistersndollars.com/high-yield-savings-vs-regular-savings/): Same $10,000 emergency fund: about $1 a year at 0.01% vs about $400 at 4% APY. See the math and how to pick a high-yield savings account.
- [Same Car Loan, $7,488 More Interest: How Your Credit Score Changes What You Pay](https://sistersndollars.com/credit-score-car-loan-interest/): Picture this: two sisters walk into the same dealership on the same day.

## Pages

- [Privacy Policy](https://sistersndollars.com/privacy-policy/): This Privacy Policy explains how Sisters & Dollars ("we," "us," or "our") collects, uses, and shares information when you visit https://sistersndollars.com (the "Site").
- [Disclaimer](https://sistersndollars.com/disclaimer/): The content on Sisters & Dollars (https://sistersndollars.com), including blog posts, videos in the Sister vs Sister series, and our social media accounts, is provided for general educational and entertainment purposes only.
- [About](https://sistersndollars.com/about/): Money is a lot less scary when someone explains it like a big sister would: honestly, simply, and without judgment.


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