Being More Open
In case you couldn’t tell by these some of my recent posts, I’m finally starting to be more open. I’ve finally told you all my name (Kayla) and more about me and my life. I’m getting more and more comfortable with the people in the PF community and my readers and I’m loving it!
Being more open is really freeing and being less anonymous makes it easier to talk about my life and my debt situation on my blog.
Not only have I become more open on this blog, but I’ve also started to talk a little bit more about my debt situation to people IRL.
Yesterday, I was having lunch with a friend when she asked me about the Dave Ramsey FPU course. Now, I have to admit I’m still not done with the whole thing. I still have a few lessons left to complete and I do plan on listening to them and reading the rest of his book. Don’t worry, I will still be following my own advice and finding other sources of information and only using what applies to me and my situation.
Anyhow, this friend is the one who lent me Dave Ramsey’s course and book. She is a BIG believer in nearly all that he says. She off-handedly asked me if I have my $1k EF in place and how I’m doing with insurance and investing, etc. I told her that I’m not quite up to $1k yet due to some setbacks and then we discussed my insurance and investments (401K).
Next, she made the comment that I must be making some real progress with saving and investing since I couldn’t have much debt outside my mortgage since I’m so young. (I’m 23 BTW) I responded by saying that yes I have “some” credit card debt and I am now working hard to get rid of it once and for all. I also told her about my horrible shopping habits that developed after my divorce in 2011.
She was very supportive and didn’t act shocked when I told her. She listened calmly and that was pretty much that.
It was a relief to be sure! She is truly the first person IRL I’ve really admitted to that I have credit card debt. Sure, I’ve told my brother about my blog but I don’t feel that really counts since he is only 19 and has no real concept of money and debt (scary!). I was really glad she did react judgementally or seem shocked. This reaction has given me more courage and put me closer to feeling okay about sharing with my friends and family about my debt situation.
I’m still not there yet, but I’m getting closer and more open everyday!
Now, that I’m being more open, is there anything you still want to know about me? How did you start being more open about your debt IRL?
Photo courtesy of: Bill Selak
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