Well, it’s officially the new year you guys, and there’s been a lot of talk of resolutions.
One of my biggest ones, as mentioned in posts here and there, has been to un-anonymize this blog. It’s a big huge scary step, but it’s also one I’m head over heels excited about.
Without further ado, hi – I’m Desirae, and I’m a personal finance nerd.
In case you don’t like videos – or are on your phone and don’t love anything, including puppies, enough to use your cell phone data for videos – here’s a recap of what the video covers.
The Two Reasons I Decided to Do This
This isn’t a step I’m taking lightly, but there are two really big reasons that I wanted to open up about who I actually am in real life (other than the simple fact that I’m horrible – like truly terrible – at secrets.)
One is all of the great friends I’ve made in the personal finance online community. If you’re looking for a list of great blogs to check out, I have a pretty solid one going on my (brand spanking new) resources page. All of these blogs are run by the nicest, most wonderful people, and it just seemed so strange that none of them knew who I was or what I was like “in real life.”
And it’s not like I was going to do a video with a bag over my head or anything.
Second is that every time I brought up that I wrote about personal finance on the internet (seriously, I really am the worst at secrets) I had almost universally positive reactions from people.
And I mean… I brought it up a lot.
To a lot of people.
I don’t think many people have a lot of places and people they can go to in order to talk about money. It’s just not a thing people bring up a lot, but you know what? It can be, and maybe it should be. I think a lot of us would breathe a big sigh of relief if we just had some real talk about money now and then.
I want people – even people who know me in real life – to feel like it’s OK to talk about money, and it seems hypocritical to believe that and not admit to running this blog. So here we are.
What This Blog Is
If this is your first time reading the blog, what is it?
Well, back in August, I had the entirely half-baked idea to try to save half of my income, as part of my realization that I wasn’t quite as good with money as I thought I was.
That one goal has led to a ton of learning about personal finance and different approaches to money management. And no, I haven’t quite achieved the goal yet – it’s somewhat lofty. But I’m still trying, and this blog is where I share everything I’ve been learning and doing to try to hit my goal.
What It So, So Is Not
Since I’ve covered what it is, here’s a quick overview of what this blog is not – especially for people who might be new here.
A few of the reactions I’ve had when I bring up the blog centre around people thinking that I must be soooo good with money, and that makes them feel like they aren’t. That is so not what this blog is about.
Personal finance is, above all, personal. While trying to save 50% of my income makes sense for me right now – and more on that in another post – that has almost everything to do with my unique circumstances and my unique (and numerous, competing) financial goals.
If saving 5% is a good first step for you, I am going to be over here cheering you on so hard.
Nothing about this blog is about judgement or comparison. It’s about sharing what I’m learning, and opening up conversations that too often, just don’t happen.
A Giant Thank You
Finally, I want to say the most heartfelt thank you to everyone reading this, whether you’ve been reading for months, or you just found the blog. This blog has become a huge part of my life, and I’m so honoured that anyone even reads it. I never imagined it would get to this point when I (super quietly) started it in August, but I’m so happy it has.
In the next few months, I’m going to be tackling a few topics hard – including how to set and keep financial goals, build financial habits, great first steps to take with your money, and how money and couples can coexist peacefully. You can check out those posts by cruising through the categories, which have been updated since I wrote this! Take your pick and start with budgeting, saving, investing, or spending.