How It All Began…

This is what one cartoonist from 5iverr drew for me. Cute, but not "me."  I decided to pay $30 for the avatar that I am now using :)

This is what one cartoonist from 5iverr drew for me. Cute, but not “me” and not very personal finance. I decided to “splurge” and pay $30 for the avatar that I am now using :)

Once upon a time, there was a girl name GMD who met a boy name J. On their first date, J mentioned in causal conversation that he had a passion for finance and even wrote a personal finance blog. GMD didn’t know what personal finance was, so she wasn’t too concerned. It did cross her mind that he might not be too impressed with finding out about her debt if he was so concerned with money but she decided to cross that bridge when the time came.

As they went on a few more dates, J finally revealed the name of his blog. He told her it was called Modest Money and GMD spent hours reading his blog trying to learn more about this new guy she was dating. She found out that not only was J very “modest” with his lifestyle choices but he also had no debt. GMD knew that she had to tell him the truth about her student loan and credit card debt.

What happened after will remain private between the two but J had a brilliant idea that GMD could start her own blog as well to document her journey to a debt-free life. He promised her that it would help her stay accountable and she would learn so many things from a wonderful, supportive, community. GMD was adamant that she could never become a blogger because she knew nothing about computers or personal finance and her writing and grammar is atrocious due to Microsoft Word ruining her generation with auto-correct. :P

The more time she spent with J and he was always blogging, (seriously the boy never stops working!) GMD started to read personal finance blogs as well and quickly became enthralled with the topic. In October 2012,  after days of trying to think of a super cool blog name that would represent her, GMD finally let J register the domain Girl Meets Debt and he helped her open a Twitter account with the same name.

It took 2 months, for GMD to finally feel brave enough to publish her first post on December 8, 2012. On a daily basis, after GMD & J get home from their 9-5 job and eat dinner, you can find J sitting at his desktop computer working on his blog and less than 10 feet away is GMD on the couch with her laptop trying to put together a semi-entertaining post. They are often bouncing ideas off each other and J does his best to answer the endless questions that GMD has about blogging.

4 months later, GMD is still blogging and paying down debt, J and her are still finding ways to live modestly, and they are both super excited about the fairy tale condo they are moving into in a few months. :)

*Editor’s note: I’m a girl who likes her privacy and as you all know J is not anonymous with his blog so that’s why I kept J’s identity a secret on my blog this whole time. We knew someone would eventually figure it out and say something to one of us this and that’s exactly what happened this weekend. After I got over the initial panic attack of seeing someone comment on his blog that she thinks I’m his girlfriend, I decided to “come out” and share with y’all how it all began.

Thanks for reading friends,

GMD

76 Comments on How It All Began…

  1. Sharon J. GilmanNo Gravatar
    April 7, 2013 at 11:08 pm (1 year ago)

    Oh my god that is so cute that two finance bloggers are dating! lol… nice with the secret identity until now :P

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 1:45 pm (1 year ago)

      J’s secret identity was nice while it lasted! :P

      Reply
  2. Do or DebtNo Gravatar
    April 7, 2013 at 11:41 pm (1 year ago)

    Aww, that’s great. I am glad he has been so supportive and helpful! You are doing great with your blog. I hope you at least feel somewhat relieved about the relationship being out in the open now. No need to worry! How did you guys meet, if you don’t mind me asking?

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 1:47 pm (1 year ago)

      Truthfully I am neither relieved or not relieved that the relationship is out in the “open.” But if it was going to come out then I wanted it to come out GMD style! ;) And as for how we actually met, that sounds like another future post waiting to happen! :P

      Reply
  3. cjbNo Gravatar
    April 8, 2013 at 2:06 am (1 year ago)

    I have to say, I enjoyed this post. Thanks for sharing.

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 1:49 pm (1 year ago)

      Thank you cjb! It was fun to write. :)

      Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 1:49 pm (1 year ago)

      :)

      Reply
  4. JW_Umbrella TreasuryNo Gravatar
    April 8, 2013 at 3:01 am (1 year ago)

    I always like learning how people became involved with PF. Glad you have such a supportive and encouraging BF. And I think it’s so true that blogging keeps us more financially accountable. I’ve found the same thing…there are times when I’m tempted to buy something that isn’t in budget and I don’t need. But if I do purchase, I know I’ll have some ‘splaining to do when I post my month-end budget results : )

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 1:53 pm (1 year ago)

      I definately didn’t become involved with PF the conventional way but I wouldn’t have it any other way. :) J was definately right when he said that having a blog would keep me more financially accountable to myself.

      Reply
  5. MandaNo Gravatar
    April 8, 2013 at 5:51 am (1 year ago)

    Haha aww, this is a cute story! It made me start my Monday off with a smile :)

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 1:54 pm (1 year ago)

      Thanks Manda! I had a smile on my face the whole time I was writing it! :)

      Reply
  6. Alan@escapingmydebtNo Gravatar
    April 8, 2013 at 6:30 am (1 year ago)

    This is so cool. I haven’t been blogging long myself but see where J was coming from that it does help with the accountability. It also gives you more insight as to where you can make changes and cuts to still live comfortably but getting the debt down. So when is the house warming party :)

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 1:57 pm (1 year ago)

      Sometimes I secretly wonder if J wanted me to learn all about personal finance so that I could help myself pay off debt faster but he was too busy to “teach me” himself so he pushed me to read other blogs so that I can figure out how to start my own lol. I will definately have a virtual online housewarming when the time comes! ;)

      Reply
  7. Grayson @ Debt RoundUpNo Gravatar
    April 8, 2013 at 6:59 am (1 year ago)

    Damn it, I knew it. I was thinking about this the other day because you both wrote about the condo at the same time, among a few other things that I had noticed. I am happy for you as I consider “J” a friend and a really good guy. I also consider you a friend, but still don’t know your name. Haha, this is an awesome Monday gift.

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 1:59 pm (1 year ago)

      I know “J” and I consider you a friend as well Grayson. :) And as for my name? You mean GMD isn’t believable? ;)

      Reply
  8. MichelleNo Gravatar
    April 8, 2013 at 7:29 am (1 year ago)

    Awww I seriously had no idea but this all makes sense now! :)

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:03 pm (1 year ago)

      Yaaaa, I guess it does make sense now. ;)

      Reply
  9. MorgaineNo Gravatar
    April 8, 2013 at 7:29 am (1 year ago)

    Awe, that’s such a nice story :)

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:03 pm (1 year ago)

      Thanks Morgaine!

      Reply
  10. MackenzieNo Gravatar
    April 8, 2013 at 8:11 am (1 year ago)

    Love this! Although I am one of the ones who had no idea, LOL :)

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:05 pm (1 year ago)

      Hehehe. I don’t think too many people suspected Mackenzie.

      Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:05 pm (1 year ago)

      I didn’t think it was too obvious either since both our blogs are so different!

      Reply
  11. KithkinNo Gravatar
    April 8, 2013 at 9:35 am (1 year ago)

    This made me smile, especially since I read the Modest Money post talking about the condo saga while I ate breakfast. You’re nifty, BTW.

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:07 pm (1 year ago)

      Awww thank you Kithkin. I don’t get called nifty everyday. ;)

      Reply
  12. John S @ Frugal RulesNo Gravatar
    April 8, 2013 at 9:53 am (1 year ago)

    Great story! :) It’s always interesting to see how two people come together and hearing the story behind it all. Like Grayson said, I knew it. The posts on Friday, I believe, on the condos cinched it for me, though there were a few other things I saw. “J” is a great guy and also consider you a friend…very happy for you two. :)

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:10 pm (1 year ago)

      Thanks John! :) J and I for SURE thought you or Grayson would figure it out first but alas another beat you to the punch by publicly commenting/asking first on his blog lol. We are both lucky to have you as a friend. :)

      Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:13 pm (1 year ago)

      Thanks Mochimac! :)

      Reply
  13. The Norwegian GirlNo Gravatar
    April 8, 2013 at 11:09 am (1 year ago)

    Whoops…………….
    So sorry for blowing your cover!!!!
    I just suddenly realized I was reading first a girl`s version and then a boy`s version about the exact same things, didn`t think much of my comment, other than I thought it was so sweet if it was true…. Hope you`re not mad! I really enjoy reading your blog, so please keep up the good writing:-)!

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:17 pm (1 year ago)

      I’m not mad at all. Considering you are new to my blog I was quite surprsied when I saw your comment on J’s blog lol. My first reaction was to delete it but then I realized that it was probably better to just come “out” and share my secret. ;) Like starting this blog, I just needed a little push haha.

      Reply
  14. Jordann @ My Alternate LifeNo Gravatar
    April 8, 2013 at 11:38 am (1 year ago)

    Oh wow I had no idea! It makes sense now though! I’ve been reading Jeremy’s blog since I first started blogging over a year ago, it’s definitely one of my favourites!

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:18 pm (1 year ago)

      It’s one of my favorites too! ;)

      Reply
  15. annaNo Gravatar
    April 8, 2013 at 11:40 am (1 year ago)

    Not sure about that dress, it does nothing for your figure. The story on the other hand – so cute! :)

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:20 pm (1 year ago)

      Can you believe that cartoon he drew of “me”????? Crazy right? But I guess you get what you pay for and it was only five bucks haha. And I’m glad it wasn’t a complete waste because I did get to use it for this blog post!

      Reply
  16. Erin (aka BrokeMillennial)No Gravatar
    April 8, 2013 at 12:03 pm (1 year ago)

    What a great origin story! Thanks for sharing. I especially loved this comment: “writing and grammar is atrocious due to Microsoft Word ruining her generation with auto-correct.” I wrote an essay once about spell check being the biggest danger to my generation. Needless to say I’ve always been a bit on the sarcastic side.

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:22 pm (1 year ago)

      Thanks Erin! I don’t think it’s too much of a secret that I am a wee bit on the sarcastic side as well. :P

      Reply
  17. Budget and the BeachNo Gravatar
    April 8, 2013 at 12:06 pm (1 year ago)

    I read both your blogs and didn’t make the connection! wow, clueless! :) Glad you both share this hobby!

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:25 pm (1 year ago)

      It is nice to share this hobby with someone because let’s be real, who can really understand the life of a personal finance blogger except for another one. Real life people might find our obsession with money a bit “too much” lol.

      Reply
  18. Mr. 1500No Gravatar
    April 8, 2013 at 12:21 pm (1 year ago)

    Wow! The only thing cooler would have been if Modest Money would have done a post that mirrored yours.

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:25 pm (1 year ago)

      Lol. I think one fairy tale is good enough for one day. ;)

      Reply
  19. paulineNo Gravatar
    April 8, 2013 at 12:24 pm (1 year ago)

    aw, so cute! it is all in your honor to have kept it secret while building your blog up. Glad you splurged on a less princess-y avatar.

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:28 pm (1 year ago)

      Thank you for keeping our secret Pauline ;) I’m soooooooo happy I splurged on a less princess-y avatar as well. Can you imagine the grief I would have recieved for having that picture? I suspect enough people already think I am a princess without using that picture too. Lol.

      Reply
  20. LiquidNo Gravatar
    April 8, 2013 at 12:54 pm (1 year ago)

    I like how you narrated the story from a third person like a fairytale :) It’s nice to find common interests both of you can share.

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:31 pm (1 year ago)

      I love fairy tales! :) I agree that it’s nice for couples to have common interests to share!

      Reply
  21. CassieNo Gravatar
    April 8, 2013 at 2:26 pm (1 year ago)

    Say whaaatttt????? I NEVER put two and two together! That’s too adorable. I have a big dorky grin on my face right now. Too cute.

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 2:32 pm (1 year ago)

      I have a big dorky grin on my face as well as I type back this reply to you Cassie! :D

      Reply
  22. Elle @ ForHerByHerNo Gravatar
    April 8, 2013 at 5:02 pm (1 year ago)

    Honestly, I had NO idea! I’ve been reading his blog forever and your blog has been one of my recent favorites. I love your ‘coming out’ story :)

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 7:20 pm (1 year ago)

      Thank you Elle! I will be sure to tell J what you said about his blog too :)

      Reply
  23. MichelleNo Gravatar
    April 8, 2013 at 7:39 pm (1 year ago)

    I love romance! It’s so nice that he’s so supportive.

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 8:02 pm (1 year ago)

      He is very supportive. I’m a lucky Girl. :)

      Reply
  24. JustinNo Gravatar
    April 8, 2013 at 8:15 pm (1 year ago)

    That’s awesome. I didn’t think Jeremy had time for much else ;)
    I wish the two of you the best of luck and who knows. In 20 years or so maybe you’ll have little bloggers in the house showing the virtues of an investment account over a piggy bank.

    Reply
    • Girl Meets DebtNo Gravatar
      April 8, 2013 at 8:34 pm (1 year ago)

      It’s a good thing I blog too or else I might feel like a neglected girlfriend with all the time he puts into his online work lol. Hopefully the kids will come sooner than 20 years Justin! I’m not that young anymore haha.

      Reply
      • JustinNo Gravatar
        April 9, 2013 at 6:54 pm (1 year ago)

        Perhaps I need to get the Misses to start blogging as well. Sometimes she feels a little neglected, and perhaps rightfully so.

        Reply
    • Girl Meets DebtNo Gravatar
      April 9, 2013 at 6:12 am (1 year ago)

      You weren’t the only one Holly! :)

      Reply
  25. Laurie @thefrugalfarmerNo Gravatar
    April 9, 2013 at 4:46 am (1 year ago)

    AAAWWWW!! Sweetest story ever!!!! SO cool that the two of you are dating. I’ve never been over to Modest Money, but have seen his many comments elsewhere and have often thought about stopping by. Now I will for sure!

    Reply
    • Girl Meets DebtNo Gravatar
      April 9, 2013 at 6:13 am (1 year ago)

      Thanks Laurie. :)

      Reply
  26. CatherineNo Gravatar
    April 9, 2013 at 4:49 am (1 year ago)

    Aren’t you sneaky :) I totally understand about both people blogging- my husband also blogs so we’re total computer nerds when we get a few mins too. Glad you’re fine with your relationship being out in the open ;)

    Reply
    • Girl Meets DebtNo Gravatar
      April 9, 2013 at 6:29 am (1 year ago)

      Both of us blogging does make things easier sometimes for the relationship. And as for being “fine” about being “open” I don’t have much of a choice lol.

      Reply
  27. Michelle's Finance JournalNo Gravatar
    April 9, 2013 at 7:24 am (1 year ago)

    It’s so great that you guys are supportive and have something very interesting in common. I need to check out his blog now~

    Reply
    • Girl Meets DebtNo Gravatar
      April 9, 2013 at 8:16 am (1 year ago)

      When he first told me about the PF community I was surprised such a thing existed lol. Now we talk about it often. :)

      Reply
  28. Living Debt Free Rocks!No Gravatar
    April 9, 2013 at 5:18 pm (1 year ago)

    Are you freaking serious! That is very cute :) It’s great that Jeremy encouraged you to add your voice to the PF world!

    Reply
    • Girl Meets DebtNo Gravatar
      April 9, 2013 at 6:13 pm (1 year ago)

      Thanks K.K. :) I’m happy he encouraged me to add my voice to this community as well!

      Reply
  29. KK @ Student Debt SurvivorNo Gravatar
    April 9, 2013 at 7:47 pm (1 year ago)

    Too funny. I know you’ve both been writing about buying condos, but I didn’t put it together that they were the same condo, I love it! Jeremy was so helpful to me when I was first starting my first blog (long story short, it got hacked, so I gave up and started my current blog instead of trying to fix the original blog). I’m so happy for both of you and so excited to be in on the, “secret”.

    Reply
    • Girl Meets DebtNo Gravatar
      April 9, 2013 at 10:22 pm (1 year ago)

      There would literally be no GMD blog if it weren’t for J. I ask him so many questions about blogging because aside from the actual writing and commenting and networking, I have troubles with all the technical , behind the scene stuff and he helps me with all of it. :)

      Reply
  30. KC @ genxfinanceNo Gravatar
    April 12, 2013 at 8:59 am (1 year ago)

    Whoaw! That is awesome. Two finance bloggers! :) So cool.

    Reply
    • Girl Meets DebtNo Gravatar
      April 12, 2013 at 11:48 am (1 year ago)

      It’s so nerdy that it’s cool I think ;)

      Reply
    • Girl Meets DebtNo Gravatar
      April 12, 2013 at 11:49 am (1 year ago)

      Awww thanks Jacob :D I’m super excited about the condo!

      Reply
  31. Kim@EyesonthedollarNo Gravatar
    April 13, 2013 at 8:39 am (1 year ago)

    That’s such a cute story. I’ve read Modest Money for a long time, even before I thought of having a blog, and it’s cool to see who J’s girlfriend is, sort of. Starting a blog has been great for helping me meet financial goals and from meeting great people, and you have someone who actually know how to do all the technical stuff to help you out. Perfect!

    Reply
    • Girl Meets DebtNo Gravatar
      April 13, 2013 at 9:26 am (1 year ago)

      I know J likes your blog as well Kim :) I couldn’t agree more about how starting a blog has helped me stay on track with my financial goals while “meeting” new people in process. It’s a win-win situation!

      Reply
  32. Lindsey @ Cents & SensibilityNo Gravatar
    April 16, 2013 at 5:37 pm (1 year ago)

    Hey GMD
    I’ve been to your site before but this is my first comment. Congrats on your new condo, your boy, and your PF blog! Lots of brave new changes for you, eh?
    I’m new to the PF game too, it’s quite a big project to take on but is totally worth it!

    Reply
    • Girl Meets DebtNo Gravatar
      April 16, 2013 at 7:20 pm (1 year ago)

      Hi Lindsey!

      Thank you for commenting! There have been lot’s of changes in my life lately but I couldn’t be happier with them…I see you’re a fellow Canadian PF blogger! I can’t wait to check your blog out!

      Reply

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