Real Personal Finance involves falling down and getting back up.  Forgetting to budget for months at a time.  Spending money on depreciating items and sometimes even items that had no value to begin with.

Real personal finance involves debt and over-leveraging yourself.  It involves jobs that are sometimes lost.  Divorces of once happy couples.  Real estate busts and investments gone wrong. Sometimes terribly wrong.

Real personal finance is not pretty.  It is not fair.  It is not perfect because we are not perfect.  I no longer want to be a blogger acting like I have it together.  I’m just a scared kid with a ton of debt trying to shovel a little shit every chance I get.

Real personal finance accepts that you can’t do without forever.  That you should try to create regardless of your circumstances.  That dream killers will always be there. Sometimes you should keep your dreams to yourselves.

Real personal finance is accepting fault.  Working to improve but also being realistic of your flaws.  Realizing you only live once and you don’t want to miss out on a life you could be living because instead you’re counting beans.

Real personal finance is brutal, truthful, deceitful, and hopeful.

Real personal finance is a bitch.



Chris Thomas, owner of the online freelance writing and web-copy company, FreelancePF. Chris’s interest in personal finance stems from leaving grad school with six figures in student loan debt.