On the Road to Financial Wellness: Blogger Stories Part 4

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Part three of the financial wellness blogger stories. These bloggers have shared powerful insights into their mindsets, behaviors, and the processes they are taking to achieve their financial and life goals.

Reading these stories you’ll learn how to prioritize student loan repayments, shift your mindset into abundance, determine how to go from poverty to luxury, and why financial education matters regardless of the situation or age you’re in.

I encourage you to read these quotes and read the entire financial wellness stories on their blogs.

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Jen from Frugal Millennial wrote:

“When I finished grad school, I was in for a rude awakening.  Finding a job was really, really hard.  I hadn’t anticipated the “over-educated, under-experienced” problem – no one wanted to hire me because I had too much education (translation: employers saw me as “too expensive”) and too little work experience.  Eventually, I settled for a job that paid $30,000 per year.  50% of my income was going toward my student loan payments.  I was essentially living on minimum wage.”

Read more of Jen’s financial “aha” moment.


Latoya from Life &  a Budget wrote:

“If you want to retire, you won’t get there while spending all of your money and neglecting to pay yourself. If you want to invest, you can’t finance cars and furniture at interest rates that are so high it will negate any potential earnings. If you wake up one morning and decide you’re ready to tell your boss to shove his ridicule and senseless demands, you can’t be out there depending on one paycheck or income stream to maintain your standard of living.”

Read Latoya’s journey from a credit mindset to a savings master.


Kara from Frugal to Free wrote:

“Two years ago, becoming financially literate to me meant figuring out how to deal with my pile of student loan debt. One year ago, it means figuring out how to open retirement accounts and start investing. Today it means figuring out how to make money work as a freelancer. While the issues may change, the fact remains that staying financially literate is a key part of life.”

Read Kara’s point on why financial literacy always matter.


Kate from Cashville Skyline wrote:

“I don’t accept work below a minimum price, and I only agree to side gigs that propel me closer to my long-term goals. Plus, I’m actively working on building additional streams of revenue, especially passive ones. Our time is a precious resource. Because the more hours we’ve lived, the more valuable our remaining hours become.”

Read more on Kate’s views about time as the most precious resource.


FI Family from FI Big Sky wrote:

“Being financially stable allows for growth in ways you can’t even imagine, making a-ha moments (both good and bad) something to learn from and welcome instead of something to dread or ignore. How money works is still a mystery to many and those who don’t understand how money can work for them often just assume they’ll never understand.”


Zina from Debt Free After Three wrote:

“Financial wellness is about not only paying your bills but having money for what really matters to you. It’s about being able to afford your dream vacation without putting it on credit cards or borrowing money to have an awesome Christmas. It’s about being able to afford new tires when yours wear out or a new necklace that you really love.”

Read Zina’s 20 questions on financial wellness.


Laurie from The Frugal Farmer wrote:

“I speak from personal experience when I say that this kind of flippant attitude about money, debt and savings is a big part of what causes large scale economic crises and is what caused my family’s own personal spiral into tens of thousands of dollars of consumer debt – debt that we are currently working our way out of.”

Read Laurie’s story on the importance of saving money no matter what


Crystal from Sophisticated Spender wrote:

“What is Financial Wellness? It’s different for everyone.  Do you have to ask yourself What are your goals? What kind of life do you want to live in? What do you value (travel or having a huge house?  You need to plan the details!”

Read Crystal’s lessons learned on the Capital Pit Stop.


Tyler from I Am The Future Me wrote:

“We don’t all have to be Olympic runners with our finances. As long as we are able to pay our bills, and live comfortably WITHOUT debt then we can be “average” financially. So going along with the same thoughts of physical wellness. Someone who is “average” would be debt-free, have some money in the bank, certainly enough not to worry about any emergencies. They may have a mortgage or a car payment but they are reasonable and manageable.”


Chonce from My Debt Epiphany wrote:

“I created my first budget a few years ago, started spending less, paid off five figures of debt so far, and most important, I feel sooo much more stable. I don’t have to wonder how my bills will get paid, what will happen if I spend $20 extra on groceries and what I would do if I suddenly needed car repairs because I now have a reliable cash flow, a strong handle on my situation, and plenty of money in the bank.”

Read Chonce’s inspirational story from her beginning to working on living her dreams.

Catch up on all the other compelling money stories from other great bloggers. Read them here:

On the Road Series Part 1

On the Road Series Part 2

On the Road Series Part 3

On the Road Series Part 5

What’s your financial story? Comment below. I’d be interested in reading them.

Jason Vitug

Jason is the founder of phroogal, creator of the award winning project Road to Financial Wellness, and author of the bestseller and New York Times reviewed book, You Only Live Once: The Roadmap to Financial Wellness and a Purposeful Life.

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