I’m ashamed I owe money because I chose to conform

 LIVING IN A PLAY PRETEND COSTS $   No one likes to owe money and there are times that people push the thought of paying back debt to the side until it comes time that the bills are mounting up. I don’t think we purposely set out to create debt but I also think some of us have misconceptions about life and money and how it’s all going to roll out in our favour. Often that’s not the case and the motto “work for your money” or “spend less than you earn” is not as important as it is to be socially compatible with friends. A hefty price to pay for friendship although we fashion a lifestyle that we believe will get us ahead and for some it works but for many it does not. I’ve always been someone who didn’t try to fit in rather I made my fun. I figured that if I needed to make an effort to be someone I’m not I likely shouldn’t be hanging around certain people. Even though one might work hard to bring in an income every month it’s important to allocate that money towards the most important parts of of their […]

There And Back Again: A Spenders Financial Journey

A Spenders Financial Journey I’ve read that our ideas about money are formed in childhood and can shape how we deal with our financial journey well into adulthood; I know this was certainly the case with me. I was raised in a single parent home for a big part of my childhood and money was always a very scarce resource in our house. Growing up, I believed money was a wild and unpredictable thing that would come and go with a will of its own. Maybe the magical money fairy would grant us enough to pay our bills this month or maybe not… Looking back, I don’t think our family was on the verge of financial ruin, I believe it was more the emotional response to our situation that helped create my chaotic ideas about money. I both loved and hated money and I had no idea this wasn’t a reasonable response to a socially agreed upon method to transact goods. Money Came and Money Went Fast forward a few years and I am entering college: I am armed with two credit cards, student loans, and a vague idea of what I want to do with my life. Like many […]

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