Can I be honest? Talking about my finances is uncomfortable for me. Even in this day and age where everyone seems to be so open about everything, I have a hard time with it. Until recently, I felt like the topic of personal finances was a private one that should only be talked about behind closed doors or with your significant other. And even then, I’ve had a hard time. I think now is the time for me to get out of my comfort zone and get down to business.  The only way that I can learn is to talk about it and I am sure that I’m not the only person who is in this position. So why not share my experiences and see what I can learn from others?
"BUDGET TRACKING" by JakePosey - http://www.toondoo.com/cartoon/6880593

At the beginning of the year, I took a long hard look at my finances. I had everything laid out in front of me; credit card statements, student loans, car payment, mortgage, etc. I have to say, it scared me a little. I immediately started researching to figure out the best course of action to take. In my search I came across Dave Ramsey several times. What people were commenting and saying about his methods seemed to be working so I decided to pick of a copy of his book, The Total Money Makeover, from my library. I was completely hooked on this book. I really could not put it down. I started incorporating his methods (7 baby steps) in my life and I feel like I am taking those baby steps in the right direction now.

This road isn’t going to be easy but I am still trucking along. Sometimes I wonder, how can I possibly get myself out of debt when I feel as though I can’t see the light? But I have to say my mind is set; I want to get out of debt! I keep in mind my biggest goal in life which is to travel. It’s my absolute passion. The only realistic way I will be able to do this is if I get myself out of the mess I have created.

I’m learning one really important way to turn this around is to stop thinking so negatively. I needed to start to see the positives of my situation, and in reality, it really wasn’t so bad once I got all the numbers down. I just need to buckle down and get my life back on track and I’m happy I caught it before it got any worse. So I ask you, will you join me as I find my financial nirvana and get over this taboo?

Get to know Michelle (46 Posts)

Michelle is a Generation Y, first time home buyer, and lifelong Massachusetts resident. She plans to share her experiences as a new home owner and her frugal living tips along the way. Who says you can't be on a budget and live life to the fullest at the same time? The journey is tough at times but since we think of her as a modern-day Mary Tyler Moore, we know she's gonna make it after all!


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