*Please note, there may be affiliate links in this post. If you click on them and make a purchase I may receive a teeny, tiny amount of compensation*
I began my blogging journey in 2012. I had a lot going on-A LOT. One thing that I was obsessed with was getting my financial house in order. The road to your goals has many twists and turns and I never would have guessed that I would now be working for myself in 2015.
That Was Unexpected
I spent a lot of time in the past three-four years working on something unexpected…myself. In fact, I’ve found my journey to debt freedom and money sanity has been a very holistic one. I believe that until you deal with the sh$t in your head, the stories you tell yourself about money, what you do and don’t deserve, you won’t be able to change your money. Why do I think this? You will continue to repeat your habits until you figure out why you do what you do.
That’s Hard
It’s hard to own your sh$t. Don’t get me wrong, I had life happen. I had situations I never could have imagined pop up and smack me in the face before, after, and during my money journey. But my money habits were a lifetime in the making.
- Emotional shopping and eating
- Lack of financial knowledge
- Cultural nuances
- Family dynamics
- Internalized disbelief-that I could ever have money
Yeah, I had a lot to deal with. I was always reading abount money (love that topic) and then I shifted to reading about self-improvement, relationships, and self-love. My focus shifted and I prioritized those issues.
I’m Glad I Did
I cleaned up the bad habits, the lies, and the fears that roadblocked me from being successful with money. Now it’s time to start focusing on my money journey again. And I’ve begun doing something that I had gotten out of the habit of doing.
I’m Started Reading Personal Finance Books Again
And I’m loving it. I’m loving re-reading books that I devoured before such as:
- You’re Broke Because You Want To Be by Larry Winget
- The Average Family’s Guide to Financial Freedom
- Dave Ramsey (even though I can’t listen to him anymore-too grumpy).
Even though I’ve read all of these books before they are re-igniting my debt freedom focus. I can’t wait to tackle my debt because I believe that this time-finally, I will conquer the debt beast. How do I know that it’s finally possible?
- I’ve been on a cash budget since last Spring. I’ve only used a credit card 3 times since April.
- No more clothes shopping…with my money. I’m sharing my ThredUp love (and affiliate link) with my people so that they can get a $20 credit towards their first purchase and I get $20 as a referral bonus. I.Love.ThredUp! In fact, my goal is to spend no money on clothes in 2016 and I’m pretty sure that will be super easy to do. I can’t believe I used to spend around $4000 a year on clothes. Sigh.
- Cut my grocery costs by hundreds of dollars a month. Hundreds. I’m spending no more than $200 a month and I’m eating good food. I’ve also become acquainted with the grocery app iBotta (developed in Denver) that has literally upped my grocery shopping game. I’ve finally figured out how to rock the app and now have $16 bucks that I’ve received in rebates in the past 3 weeks. Sorry coupons, but you’ve lost me. I will write a post on iBotta soon because there is a little bit of a learning curve- but any app that helps me save on vegetables, fruit, and grocery staples is the app for me. Here’s my affiliate link if you want to set up your account. You’ll get a dollar from me, but the better part is all of the long-term savings you’ll earn. iBotta saves you money! (affiliate link)
- I’m Happy-life isn’t perfect…far from it. But, I’m loving spending time with my friends and family. I’ve gained clarity on what’s important to me. Family, friends, learning, experiences, growing my income, losing weight, and killing my debt. That’s it. I don’t care about what other people think anymore-I’m just not interested, I just care about doing what’s best for me.
- No More Distractions–I’ve eliminated almost all of the distractions that made it difficult to focus on debt repayment.
I love personal finance books because of the journeys they share, the information given, and the inspiration that I receive whenever I read them. My biggest issue now is cash flow instead of managing bad habits. Part of why I’m not traveling for the next six months is to make sure that I stay focused and on task while I shift back into debt repayment mode. I love that I’ve started reading personal finance games because I’m reconnecting with what made me fall in love with blogging.
If you have a book that you think I would enjoy please share in the comments below! With the exception of Rich Dad, Poor Dad I am up to reading pretty much anything!
Wish me luck!
Michelle
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Petrish @ Debt Free Martini says
David Ramsey too grumpy….Lol. I have lost count of how many times I have read Rich Dad Poor Dad. That is by far my favorite financial book to read and it always gets me re-motivated. It seems like your doing great…don’t know about the no shopping. I still hit up those sale racks every now and then….
Michelle says
Petrish, I do NOT like that book LOL! Isn’t it funny what resonates with different people?? I will buy stuff (probably not much)-just with my affiliate referral income. Not my money. I actually really don’t need anything so that’s part of the reason why I know I can probably rock no shopping for 2016.
Tonya @ Budget and the Beach says
I finally just got to borrow The Millionaire Next Door from the library and love it. I can see why it’s a lot of people’s favorites. I also liked the total money makeover despite not liking dave ramsy very much, but have mixed feelings about the debt I have right now (zero percent) versus building up cash fund, which my trusted gurus are telling me is better. hmmm
Michelle says
I love The Millionaire Next Door even though there are parts that are a bit dry. I just love how it totally dispels all of the myths that people have about real life millionaires. I actually know several millionaires next door and they are very, very careful about how they deal with, think about, and grow their money.
Roz says
Stop Acting Rich by Dr. Thomas Stanley
Thou Shall Prosper by Rabbi Daniel Lapin
Michelle says
I haven’t read Thou Shall Prosper and I need to re-read Stop Acting Rich!! Thanks for the suggestions.
Cat@BudgetBlonde says
Sometimes it’s good to read PF books again to refresh your knowledge and gain different perspectives than you might find on the internet. I love Dave Ramsey’s book, but I don’t listen to his show.
Michelle says
I love his book too, I just can’t listen to his show 🙂
Dear Debt says
Awesome! Let us know if you like the books! I want to start reading some more PF books about wealth building. You got this girl. And congrats on all your progress.
Michelle says
I love reading so this is a fun one for me. I actually feel that I stalled out on what I originally set out to do-now, I focusing more so that I can things happen.
giulia says
financial books rich of tips are welcome into my library, for the rest good luck with all your plans!!!:D
Michelle says
I need to read more books. I’m finally getting this done in 2016.
Jenna L at Hello Suckers says
I had the same habits that you describe and changing them is making a really big difference! I’ll have to give these books a go.
Michelle says
Breaking those habits were a pain in the butt! I honestly wasn’t sure it could be done. I’m glad I focused on those problem areas-now it’s time to pay the debt off. Sending good vibes your way and I will be sharing an expanded book list probably sometime in January.
Jason Butler says
You said some things that I can relate to in this post. “Internalized disbelief-that I could ever have money” is something that I struggled with for a while. Lets just say that I’m getting over that struggle. I’m also glad to see someone else that doesn’t like Rich Dad Poor Dad. That book is the most overrated thing that I’ve ever read.
Michelle says
The thing I don’t like about that book is that it feels like he’s being super condescending towards the “poor” dad. People do the best they can with the information that they have available to them at the point in time that they are in. I’m sure I would have made different money related choices if I’d had money related tools, resources, and information available to me at the time I was making those decisions. That’s part of the reason why I continue to blog. To share information and mistakes so that other people can learn from my journey and make better choices.