5 Blog Posts That Turned My Money World Upside Down
these five blog posts seriously helped my overcome my largest financial struggles
When you find out you’re in debt, suck at money, or don’t know where to start – you get overwhelmed. Which you probably already know, or you wouldn't be reading this blog. However, when I first realized my financial struggles were actually struggles, and that I – yes, in fact, would have to pay all of the credit I’d used back – I did what most millennials do.
I turned to Google.
I started asking my favorite website the usual questions.
“How do I pay off my debt faster than I can drink a bottle of wine?”
“What do I do if I have a maxed-out credit card because I thought Forever 21 was more important than retirement?”
And my personal favorite: “Wait, how do I find out my credit cards interest rates?”
Sure, Google turned up millions of webpages for me to explore, and I dove right in.
But trying to get the information I actually needed without completely losing my mind and becoming a head case was near impossible.
Financial websites use too many big words and force too much content down your throat.
That’s when I got more specific. I searched for bloggers, Calgarians who could help me, and peoples’ personal success stories that would provide me the motivation I needed to get by.
One of the first blogs I came across was Money After Graduation (which seems wild to think back on now, considering I regularly text and plan coffee dates with Bridget). I read it weekly. Browsed her archives, soaked up her clear and concise information, and finally felt I was grasping "money".
A few short weeks later, she posted this:
“After a lifetime of money being a leading stressor in my life, it suddenly wasn’t any more. Somehow I had managed to pull myself out of poverty, and for the first time I wasn’t in the lower income or wealth bracket: I was comfortably middle class.”
The story Bridget shared of her financial history and struggle made me realize that I could do it, too.
Maybe now, this story will do the same for you.
About mid-way through my debt repayment, starting to blog myself, and building relationships online, I started to find more blogs.
Blonde on a Budget was next (now moved to Cait Flanders).
“Have you been making decisions that will help you live the life you want, or doing nothing but going down a dark path you can’t seem to find your way off of? If you’re on the dark path, don’t worry. You may not be able to take back any of your mistakes or see what you missed out on, but you can still control the next part of the plot.”
I learned that every part of my financial journey had a lesson, and that no matter what decisions I had made in the past – those decisions didn’t need to affect my future.
The further I went with this blog, the more relationships I built with people who loved personal finance as much as I did. My now-Internet BFF, Desirae at Half Banked, has provided just that. A support system through DMs, long distance Skype sessions, and a few in-person hangs that I genuinely love.
Her courageousness and unique approach to personal finance brought a new spirit to my passion for financial literacy. This post is a perfect example of that.
“I never have to think about whether I’m dressed well for an important meeting, and I never have to question whether my top works with these pants. My biggest choice is to wear a white shirt or a black one, and I couldn’t be happier about it. I’m spending on a luxury that makes my life immeasurably better and easier. And if I can’t do that, what’s it all for, anyways?”
I’ve rethought my entire work wardrobe since that post went live – and I’m pretty sure Des didn’t see all of the intrigue that would soon-after follow.
There are a ton of great resources online these days to help you learn about your money – but what I didn’t realize was that my own creativity was a resource in itself.
“Sure Alyssa, put one of your own blog posts in and then claim that you’re not conceited” is currently what I’m thinking out loud (just so you know).
But honestly, writing this post changed my own perspective on things. Which I didn’t even think was a possibility.
“Knowing that I have spent money that could have gone towards my retirement, a down payment on a home, or my wedding hurts to the core. I have made such great progress this year that it definitely hurts less than it could. Thank god for the PF blogging world for turning my financial life around.”
Because of those realizations, I am now debt-free, and saving towards retirement, a down payment, and survived my own wedding without putting a dollar on credit.
These days I’m much more focused on how to prepare for my future, be a more understanding person, and grow from mistakes made in my past.
Which is where this last blog post put things into perspective.
“You only have so much money to spend. And while some costs are unavoidable, like food and shelter, a big chunk of the money you have to spend is entirely at your discretion.”
Literally everything Bitches Get Riches write cuts deep into my core and makes me realize all of the stupid things I’ve done and wish I never did – but for that, I am thankful.
At my age, it’s never worth it to say “yes” to an event or hang you don’t want to do. Honestly, never worth it.
In the end, these five blog posts seriously helped my overcome my largest financial struggles, and put me in a place where my money is making moves that I want it to make, instead of moves that I need it to make.
Now fingers crossed they get you there, too.
What’s one blog post or article that completely changed your money mindset? Let me know in the comments!