Hi everyone! So this week marks three months of blogging for me. I published my first post on Halloween (which I’ve decided is a pretty cool day to have a blogversary!) Anyway, recently I’ve been thinking that a lot has changed for us here in the CMF household since then. Well, I guess if you were to look at our lives from the outside now it does not necessarily look much different than it did a few months ago, but mentally our attitudes on different things have changed a LOT.
When I started blogging, I thought the hubs and I were pretty frugal. And I think compared to a lot of people, we were. But I’ve discovered that one of the great things about immersing oneself in the PF culture is that there is always someone else to learn from who is doing it better or differently. I’ve “met” so many people who have different approaches to personal finance, and many of them, through their writing, have really helped Mr. CMF and I re-evaluate our financial priorities. So, before I go any further, I have to say Thanks Bloggers!
I also think that the act of writing about personal finance and frugality has helped us to examine our lives and think more carefully about what’s really important to us and what isn’t. It’s one thing to have thoughts in passing and an entirely different thing to take the time to write out those thoughts and share them with the world.
The biggest mental change we’ve made in the last few months is that we have completely changed our attitude on debt and decided that getting out of debt is priority number one for us. We are still contributing to our retirement accounts, but our major focus at this time has become getting the debt paid down, which we are hoping to accomplish within two years. That’s an enormous change for us, since we’ve basically been sticking our heads in the low interest rate sand and waiting for the student loans to pay themselves off up to this point.
Other changes have been more subtle. I bought a pair of shoes and some undergarments this month and decided that was probably going to be all I needed for new clothes for at least six months (I already know I’ll be buying a bike jersey in July). Mr. CMF is going to fall over when he reads this, because for as long as he’s known me I’ve been sort of a clothes horse. Clothes and shoes have been my weakness, and I always justified those purchases by telling myself that I needed nice clothes for work. And I do have to be presentable at work- but I have an entire closet full of presentable clothing so we should be good there.
For his part, Mr. CMF decided to forgo a subscription to his favorite financial periodical- Barron’s– this year and has decided to read it at the library instead. We purchased a low-flow shower head for our shower. We’re eating out less. We’ve made several other small changes which we hope will add up to savings over time.
Basically, we are more conscientious with our money since starting Color Me Frugal. This has been a really nice surprise- especially since we thought we were pretty conscientious before! When I started the blog I was looking to find a way to earn money in a way that would allow more location independence. We’re slowly on the way there (a few dollars or cents here and there have started piling up in the Adsense account)- but the biggest benefit so far has been that we have been examining ourselves more closely. I have to say that I totally agree with those who say that if you want to achieve your financial goals, start a blog! So far it’s been a pretty awesome experience for us.
If you have a blog, in what ways have you seen your life change since you started it? If you don’t have a blog, do you think you would ever consider it?
Photo credit: photologue_np