The other day I was reading an email from one of the four readers I have (J plus 3 others, but even J doesn’t always read all my blog posts lol) and this email caught my attention because the reader informed me that she likes reading my blog because I “don’t take things too seriously.”
Ummmmm, thank you???
Now I know my reader wasn’t trying to offend me. I presume she was trying to say that my blog is (usually) a light and entertaining Personal Finance read because I use a lot of cheeky humor/sarcasm in my writing. Part of this is because I try to cover up my horrible writing/grammar with humor and the other reason is I really am like this in real life!
You know what else is really true about me in real life??? Like my blog alter-ego GMD, Wendy is also very serious about hustling hard and paying off her debt as soon as possible while still living and enjoying life to the fullest!
And since I never listen to J and put up a disclaimer anywhere on this blog like he told me to when I started back in December 2012, I thought I would take a moment to write a friendly disclaimer post now.
First of all, I never actually give any direct financial advice on my blog because
A) I’m not a professional financial expert and don’t actually know anything legit about personal finance…I just know that personal finance is personal so I speak from my personal experiences that work for me but may or may not work for you.
B) I’m an aggressive debt blogger who doesn’t have an Emergency Fund or properly Budget using a spreadsheet or Mint (Pay Hard or Go Home!) so you might as well stop reading now.
C) Although I have started a retirement savings account so maybe you should still continue reading!
On a serious note, back in September 2012 when I started lurking the personal finance community, I didn’t see too many bloggers who made a “lesser than average” income and were still in big debt (my original debt, student loan and personal loan combined was over $55,000!). Many bloggers had already gotten out of debt so I thought it would be fresh to document my whole journey from start to finish. I will probably fall down and have many set-backs along the way and I just know my lack of Emergency Fund will bite me in the ass someday, but hey, that just makes the journey to a debt-free life more fun. And we all know a niche as dry as personal finance could use some fun!
Switching topics now…I also received an email from a reader not too long ago saying he didn’t know “J” was also the blogger from Modest Money. That reader obviously started reading my blog near the beginning, then lost interested and found me again later because for those who don’t know – I kept J’s identity a secret on my blog for over 6 months when I started blogging. We would have kept it a secret forever but a reader found out and she “outed” us by asking in his comments section. No big deal. Being the Type A control freak I am though, I decided to blog all about it afterwards true GMD style. And if anyone of you get a chance to meet J at FinCon’13, he doesn’t actually go by the name J lol. You will have to ask him what his “real” name is.
We are picking up the keys for our new condo tonight. For once, J will actually beat me to a blog life update and you can read all about our little drama before closing and possession tomorrow on his blog.
Thanks for reading friends!