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It's Time to Be Financially Real!

April 27, 2015


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One of my blogger friends, Shannon at The Heavy Purse, decided to host a Financial Literacy Carnival event today. I was super honored that she asked me to participate as there are some pretty big bloggers on the list. So thanks Shannon! 🙂

Anyhow, today I want to talk with you about how and why you should be Financially Real.

What is Financially Real?

Financially Real is the new theme and mantra behind Shannon’s recent site re-design and it’s her inspiration to encourage people to know that no matter what your financial situation is like, life is messy. So instead of always focusing on how “perfect” life will be once you’ve reached your long-term financial goals, you should focus on being financially real, no matter what your financial situation is.

To me, being financially real means being able to enjoy my life and my money even while I continue to work on getting out of debt. This means spending money on the people, experiences, and even things, that I care about.

So lately I’ve been trying to stress a little less about every dollar and cent as it flows in and out of my checking account, and more on enjoying life and the money I have to spend.

How I’m Being Financially Real

As I mentioned, part of my path to being financially real is realizing what I care about and deciding to spend not only my money, but also my time and effort on those things instead of other time, energy, and money sucking things I don’t care about.

For instance, I’m cutting back on grabbing a quick lunch on my way to work on the weekends and instead I’m using my money to spend time with friends and family. I recently even treated my friend to lunch and this past weekend I bought supper for family in exchange for them helping me out with some of my yard work project. Using my money to spend time with friends and family is a lot more enjoyable than mindlessly eating a meal in my car as I drive to work.

Another way I’m being more financially real is by realizing that no matter how hard I try to change it, I love to shop and I love fashion. Therefore, I will continue to spend time and money on shopping and fashion.

Don’t worry,  I’ll still have to limit my shopping so I don’t delay my financial progress. But deciding to cut out all fashion spending when it’s something I enjoy just doesn’t make sense to me.

This is being financially real.

 What is your financial reality? How are you financially real?

*Part of Financially Savvy Saturdays on brokeGIRLrich, A Disease Called Debt and One More Broke Twenty-Something*

Personal finance bloggers are just like us! It's nice to see that other people are learning and growing in personal finance.

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16 responses to “It's Time to Be Financially Real!

  1. Distinguishing between “cares” and “don’t care abouts” is a big deal. I think we often get sucked into spending money on things we don’t care about or things that add no value to our lives. Like you I’m trying to invest in people and experiences and less on things. I’ve found that brings me more joy and fulfillment.

    1. I’m glad I’m not alone in trying to pursue only spending on things, people, and experiences I care about instead of things I don’t care about so much. 🙂

  2. Getting financially real is definitely about making choices and I think you bring up a great point that you don’t have to give up spending money on everything you love just because you decided to get financially real. You just have to make smarter choices on where and how you spend your money.

    1. I’m glad you agree Shannon. Of course, I’m spending much less on the things I love right now since I’m funneling lots of money toward paying off debt, but I don’t want to cut the things I love completely out of my budget.

      1. I think that’s super smart. Avoiding it completely would probably end in spending binges which could be really destructive to your goals! Mad props for being so honest!

        1. Aww thanks! I’m definitely a work in progress. 🙂 I just want to keep moving in the correct direction.

  3. “being financially real means being able to enjoy my life and my money even while I continue to work on getting out of debt” – You’ve got it, Kayla. Being Financially Real is identifying what matters and make decisions that supports your values and goals. I’m glad you found a way to balance your love of shopping/fashion while still working aggressively towards eliminating your debt. You are financially real, my friend. Thank you again for participating in the carnival. I appreciate your support!

    1. Thanks Shannon! Your support and encouragement when I went over my shopping budget again made me stop and think about it a little deeper. 🙂 I appreciate your advice and friendship!

  4. I love that you are honest about what you enjoy! I love: going for coffee, hanging with friends, travel, good food, and buying the occasional super cute outfit. Like you, these loves are pretty consistent and probably won’t change! So, I am managing them so that I can continue to enjoy them without going broke 🙂

    1. I’m so glad to hear another PF blogger admit those things, haha. The general opinion in the community is that most of these things are bad, which I don’t agree with and by perpetuating that I’m still “keeping up” with someone and letting other people’s opinions drive my spending decisions.

  5. Financially real is definitely made up of 8,000 little baby steps like cutting down on grabbing lunch at work and brown bagging it. Congrats on prioritizing where you want your money to be going instead of just letting it eek away!

    1. Thanks Mel! It’s definitely a work-in-progress and being financially real is always changing as your life changes too.

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