First, a little
background information about me. I graduated from college in December of 2007 with a bachelor's degree in computer engineering. I now work as a software developer for a software consulting firm and am married with two kids.
From the get go I was making all of the wrong moves in regard to money that quickly led me down the slippery slope of debt. I blew all of my money I earned at my high school job on computer stuff; I opened a credit card account on a whim; I completely borrowed my way through college; I financed everything immediately after college; I bought a house with just the bare minimum down payment, and borrowed money from relatives to cover expenses for when we moved into the house.
Luckily, before my wife and I got too far in debt, we enrolled in a personal finances course at a local church after encouragement from family, friends, and coworkers. It completely changed how we handled our finances and saved us from the impending disaster of my past money mismanagement and the potentially crushing debt we were accumulating. Since then, we have been slowly but surely paying off our debt, saving money, and improving our financial wellness.
So why even bother writing a blog about personal finances if I have mismanaged my money so poorly in the past, let alone have no educational background in personal finance? For several reasons. The first one is to discuss those poor decisions with money so that others can learn from and avoid them. I also plan to discuss what we are doing now and will do to improve our financial wellness. And lastly, to discuss various topics of personal finance that are applicable to everyday life that can contribute to improving not just my financial wellness, but yours also.
That's it for now.
Check back often and feel free to share you thoughts, opinions, and experiences.
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