Hi Budgetee! I’m Moe, the creator and owner of Paper By Moe—a space where I document my financial journey, share money-saving tips, and help everyday people budget with purpose.
During the pandemic, I was gifted (or forced) with stillness and reflection. It was in that time I finally took a hard look at my money habits… or lack thereof.
In December 2019, I graduated with my Master’s degree. What started as $55,000 in student loans turned into a staggering $107,683.10—yep, six figures! Between five years of undergrad, two years of grad school, and mounting interest, I found myself staring down a huge financial mountain.
But I didn’t panic—I planned.
From Summer 2020 to Summer 2021, I committed to changing my financial life. I paid off $16,000 in credit card and car loan debt, hustling hard with side jobs like DoorDash and selling printables and planners after clocking out of my 9-5. I was making $1,300 every two weeks—but I was focused. I ate ramen, I made sacrifices, and I stayed the course.
Today, I’m on a mission to become financially independent and retire early (F.I.R.E). What started as a dream to be debt-free has evolved into a passion to help others do the same—without shame, without judgment, and with realistic, practical tools.
This blog is my love letter to anyone who's felt overwhelmed by money. Whether you're just starting or restarting, know this: I see you. I am you. And I created this space for you.
✨ You’ll find budgeting tools, inspiration, and my raw, honest journey here at paperbymoe.com.
✨ Watch the journey unfold on my YouTube Channel.
✨ Get tips and motivation on Instagram.
✨ Pin practical budgeting resources on Pinterest.
Let’s climb out of debt and into financial freedom—together. 🤎
Subscribe to join the community, and let’s make this money journey make sense!
With love and transparency,
Moe