Money Mindset

How money, debt and financial culture can affect you personally. The internal challenges and struggles when dealing with money issues. Motivation to do better financially, and how to handle mental setbacks when money emergencies pop up.

Find Your Voice, Be a Sponge

Find Your Voice, Be a Sponge

Advice from a Middle-Aged, Former Over-Achiever

Next week I will be attending my very first personal finance conference.

This is important for two reasons. First, because I will be moving one step closer to my dream. Getting my finances in order. Solidifying my future. Expanding my education by learning more about investing, saving and creating smart financial goals.

The second reason is because I will be taking this excursion entirely on my own. No friends or family to lean on. Navigating an airport, ground transportation, and a ginormous resort hotel. By. Myself.

To those of you who actually know me, your jaws have probably dropped to the floor by now. Because I barely leave the house, much less travel across the country.




I’m a remote worker, faithful Amazon Prime member and loyal user of Peapod grocery delivery service. I prefer to have things come to me.

More importantly, I prefer not to go out in public. At least not very often.

So the fact that I’m stepping out into the “real world” and leaning into my discomfort, is extremely surprising to those I know.

Continue Reading…

How I Learned to Blog Anonymously, and Why I Stopped

 What I Learned From One Year of Anonymous Blogging

It’s been one year since I started this journey of blogging anonymously.

When I researched and purchased my domain name, set up a pretty basic and free WordPress theme. Signed up for a few free online courses. And dove headfirst into the glamorous world of beginner blogging.

Along the way, I’ve learned a few things.

Things like:

Your website doesn’t need to be that fancy, since most people will be reading your blog over mobile anyway.

Pinterest is a quick way to start getting traffic, but it isn’t the end-all-be-all of blogging strategy. And it shouldn’t be your only means of gaining traffic.

Also, a lot of people will try to sell you stuff. The magic elixir to blogging success. The way to increase blog traffic by 5000%. The secret sauce to making an affiliate sale within 5 hours so you can haul in $80,000 of profits in your first 30 days. Ha.

But a lot of them are really good at it because I’ve fallen for so many of these sales pitches over the past 12 months.

Also, I happen to be an extremely optimistic and trusting person, giving most people the benefit of the doubt. So I’m sure that played into the equation as well.

And, oh yeah, the MOST important thing I’ve learned as an anonymous blogger —

Blogging is HARD work.
There is A LOT to learn.
And it can be overwhelming.

So why would anyone want to begin blogging in the first place?

And why in the world would you even think about blogging anonymously?

Continue Reading…

How to Keep the Faith and Push Fear Aside to Follow Your Dreams

Keeping the Faith

I have a wooden plaque that hangs in my kitchen. It’s 12 x 12 inches, handmade (not by me) and is made of slightly distressed wood.

It’s positioned right in front of my kitchen window. So when the sun rises from the east, you can see the sunlight come streaming through some of the slightly slanted panels.

And when that sunlight peeks through, it gives more emphasis to the phrase that’s displayed — which I use to start out each morning:

“Let Your Faith Be Bigger Than Your Fears”.

No matter what you believe — where you’re from, what your religious or political views happen to be — we all have faith in something.

I’m not trying to make this into a holy roller, preachy moment. Just talking real. We all believe in something.

And whether you believe that everything happens for a reason, or that you can truly control your destiny, there’s a crucial piece of the puzzle that everyone needs in order to succeed.


Continue Reading…

5 Reasons Why I Shouldn’t Be Your Financial Role Model


5 Reasons Why I’m Not [really] a Personal Finance Blogger …

… And should NOT be your financial role model


Full disclosure.

This whole beginner blogging thing has been a struggle.

You start out all wide-eyed and pumped-up, like — “Oh, I have so much to say, just try and stop me! I’m going to slay the blogging world with all of my intense thoughts and fresh perspectives on things.”

You pick a topic to write about — and you’re all gung-ho, ready to make a difference.

But then something happens, maybe six months into it, and you hit the proverbial wall.

You begin to question yourself. Your writing skills, your creativity, your topic of choice, your motivation.

Been there, done that?

Well for me, that time is right now.

So let me just say what I’m experiencing is not quite blogger burnout. There’s no way I should even be close to that point — because I haven’t blogged nearly enough.

Before you burn out, you at least need to have a fire started.

A kindling, a spark, or at least a few smoke spirals.

Right now, what I have the most of are — questions.

  • Should I be blogging about personal finance?
  • What can I offer to other people, when I’m such a financial screw-up?
  • Did I pick the wrong topic — maybe I’d be better off writing about something else…
  • Is sticking to one topic as important as everyone says it is?

Let’s see if my logical mind can work this one out — or at least make me lean in one direction or the other.

Here are my 5 arguments / explanations as to why I’m not a personal finance blogger —

Continue Reading…

Why You Might Choose to Start a Blog Anonymously

Starting a blog is a scary thing.

You’re putting yourself out there for the whole world to see.  All eyes are on you.

Will anyone read it? Will anyone take you seriously?

And if they do take you seriously, will they hate everything you’ve written?

There are so many great bloggers out there … how can you possibly compete with their awesome-ness?

What if one of them reads your stuff and calls you a fraud — or what if NO ONE reads your stuff??? Aaaaccckkkk!!!!!!

You open yourself up to such intense criticism, who knows if you will ever recover.


Starting a Blog - Why I choose to blog anonymously


Just kidding. That’s not the way it is.

That’s just what your mind tells you, at first.

In all reality, you will stress out way more than is necessary, worrying about how people will react to what you’ve written.

In the beginning, unless you send your posts directly to friends and family members who will share their fully-biased support, it’s highly unlikely that you will gain random, out-of-the-blue readership.

(There — feel better now??)

In my case, I honestly don’t know what’s worse — having friends & family pick apart all of my posts — wondering if I’m referring to them — asking why I’m not writing more about them specifically ….

Or not having an audience at all.

Like, literally hearing crickets. (Well, I guess not literally crickets, unless I’m sitting out in my back yard …)


Having a Captive Audience

So if you’re starting a blog, why wouldn’t you want your friends and family to be the very first to experience your well-thought-out nuggets of wisdom?

Continue Reading…