Over the next few weeks I will be interviewing a series of personal finance bloggers. I hope you find each of their unique stories as insightful and revealing as I did. Most importantly, I hope we can all learn from their experiences with money.
This week I have had the pleasure of interviewing Alyssa @ Mixed Up Money . Alyssa’s fun sense of humor is always a delight. As a fellow blogger and Calgarian it is a pleasure knowing her both in the blogging community and in life. Check out her blog site Mixed Up Money and follow her on Twitter.
Hi, I’m Alyssa. Mid-20s. Canadian. Drop Dead Gorgeous. (I can say that because this is the internet and people believe everything they read). In 2015, I paid off over $10,000 in consumer debt that I had accumulated over 5 years. And in 2016, I’m never looking back.
Tell us about your ‘money story’. Has this story changed how you manage your money today and how?
About a year and a half ago, I began working at a credit counseling agency. The irony was pretty unreal (especially to my friends & family). After all, most people had known me for my terrible spending habits and diehard shopping addiction. Since being welcomed into the world of personal finance in both my day-to-day life and the online community, I have drastically changed the way I manage my money. I am now more conscious of my goals and the future, because without that, what’s the point?
If you could give 3 personal finance tips to anyone, what would those be?
You really want to make me think, don’t you? I think the following three tips say it all:
- Review your budget and spending habits regularly.
- Set realistic financial goals to provide yourself with motivation to save money
And when you’re out shopping, use the 24-hour rule before buying a want
What is the smartest thing you did with money and why?
The smartest thing I ever did with my money was to start contributing to my RRSP’s. I feel as though I’m making great progress saving for retirement, and because it is an automatic deduction from my paycheque, there is no fear of missing my goal for the year.
What is the dumbest thing you did with money and why?
There are so many dumb things I’ve done with money. Including buying multiple items of clothing and then never wearing them (secret time: they are still sitting in my closet with the price tag attached). I used to have an obsession with people never seeing me wear the same thing twice in photos. When I was growing up, social media was just starting to take a toll on my spending habits. I feel like it’s gotten even worse for youth today. I now realize that I’d rather have a core few outfits that make me feel pretty, and are a lot easier on the wallet (AKA, I woke up one day and realized I’m not that famous on social media ha-ha).
If money was not an object, how would you spend your time?
If money wasn’t an object I would be doing the things I’m most passionate about, which are writing and being involved with youth sports. I think it’s important for kids today to get involved in a competitive team environment. It teaches them about time management, social interaction, and commitment. I’d also be laying by a different body of water each week, let’s not forget that.
What is your blog theme and why did you choose to start blogging?
My blog mostly revolves around debt, frugality, and any *new* issues that I see causing my friends or family money problems. I originally started blogging to hold myself accountable while paying off my debt (which totally worked), but I continue to blog because of the amazing online community, and the opportunity to help those around me become more aware of their finances.
If you could recommend a book to someone, what would it be and why?
People keep asking me this, so I guess that means I should hit the library or start reading more books about personal finance if I want to be cool. Most of my reading falls in the autobiography and true crime category, so if you’re looking for one of those – I’m your girl. Promise.
If you were given the opportunity to have a one-hour lunch with anyone in the world, whom would it be and why?
You forgot to mention if they could be living or dead, Pamela (but I’ll forgive you this one time). I’ve honestly never thought of this one before. I think I’d have to choose my best friend. Although it’s totally lame, and not someone famous – it is someone who I can share everything with. Whenever I’m having a problem (whether it be financially or beyond) she is there. And we rarely get time to share moments together. I think everyone needs that one person in their life that they can share their deepest, darkest fears with and not have to worry about judgement.
If you could have a ‘do-over’ in any area of your life, what would that be and why?
This one is easy. I think I would have taken something else in post-secondary. As much as I love what I do and enjoyed my degree to the utmost, I wish someone had told me how much I would be making, and what the overall industry was like. I think I would have been happier working in IT or web design because it better suits my personality and there is also a lot more room to grow within that industry.
Is there anything else you would like to share with everyone?
Why not?! Stop wasting food, live within your means, and never let anyone else tell you how to spend your money. Also – come chat with me on Twitter, and we can become best friends.
Categories: Guest Posts