debt debs

Personal Debt Wrangler – Had my money head in the sand – but no more!

Blogger Awards and Carnivals – Why I blog?


liebster-button-blogger-awardsThe Cottage Retreatist nominated me for a Liebster award which is very kind of her.  As far as blogger awards go, this is a for new and small blogs (less than 200 followers).  Here is more information about The Liebster Award from The Wording Well.

There are some questions I need to answer and then I pick 5 nominations as well.

The questions

1)   Why did you start your blog?

I decided to blog as we are over two years into a very long debt repayment journey and I was starting to suffer from a bit of debt fatigue.  I wanted to increase my motivation but also help others who need to take the steps that we did.  I want to show that there is life during debt repayment and a frugal living.  So I thought what better way to combine both goals into one by working through my blog.

Originally, I was thinking of asking my pastor if I could offer financial tips to any members in our church community who needed some assistance.  But the more I thought about it, I wondered if it would be too difficult because people wouldn’t want to come forward, my pastor may not want to be in the middle of it or what if there were legal implications.  I’m still thinking of this as a possibility down the road or maybe when I retire.  I really do want to help people, so at this point I am still learning even more financial strategies and getting experience at it, so it’s all good.


2) What is your favourite blog post so far and why?

I have a few favs but I guess my best fav is Mother’s Money Moments.  It kinda sums up my life and what makes me tick and was filled with emotion.

3)  What is your perfect Sunday?

A sunny day at my Dad’s cottage when I have Monday off and don’t have to go to work until Tuesday!  Swimming, playing scrabble, a little sudoku, maybe a walk, some reading… oh and a nap.  Laughing and chatting about life with family and neighbours.  Eating leftovers for dinner, cheap and not much fuss or cleanup.

4)  What is your favourite quote?

My favourite quote is my own.  It is my twist on “You have to eat a pound of dirt before you die”.  Well in Canada, we are on the metric system so I say, “You have to eat .6 kg of dirt before you die”.

5)  Describe yourself in 3 words.

Determined, genuine and lazy.

Now I’ll be honest with you, I’ve got some additional bonus questions here because I didn’t read the instructions well and started answering the same questions that Cottage Retreatist had, before I realized I can make my own questions up for my nominees.  So since I had already answered these three ones that CR had, I will let you see them as well.  No point crying over spilled milk!

a)  How long ago did you start your blog?

I started mid March, 2014, so I’ve been blogging for four months.  I started in and actually just migrated over to self-hosted last week.  Well that was a big job.  You can read all about it on two posts I did, especially if you are looking for some tips and tricks.

  • Moving Blog from to Self-Hosted – This addresses the migration process and some of the lessons learned from mistakes I made or things I had to figure out, all called out in the form of gotchas!

  • Migrate to Self Hosted – The Live Version – After settling things in there were still some things I was not happy with or that remained outstanding and so I reached out through Twitter to get some blogging buddy assistance and it worked very well!  I blogged live about what I was doing to address the issues over the space of a couple of days (Sat to Mon) until all open items completed and I could take my construction man picture off that post!

b)  What is your favourite thing to blog about?

Personal experiences and tying them back to personal finance, career, stress management and mental health.  I think it helps to add credence to what you are writing about if you can walk the talk and give examples and analogies.  I just love reading blogs that have personal stories in them too, so I want my blog to be that way as well.  Oh, and I also like funny.  Sometimes I’m just in a strange mood and I can put some wacko stuff on these pages, and other times I’m more serious or philosophical.  I guess if I someone was to describe my blog as one of variety, I would be very pleased with that.

c) Do your family and friends know you blog?

I think I blogged for at least a month and no one knew.  Then I confided in my husband.  Next my sister.  Then a close friend.  Then my children and just this past weekend to my Dad!  And not one of them reads my blog!  At first I didn’t want them reading it, then I did, and sometimes again I don’t.  I try to keep things respectful, but if I’m going to be sincere and open about the ups and downs of our journey, I can’t hold everything back or paint only a rosy picture all the time.  Sometimes a girl’s gotta rant.  I want people who read to feel comfortable in confiding that things are not always smooth sailing for them either.  This is what personal finance camaraderie is all about.  Don’t sweat the small stuff, but if you do, please share.  ;-)

My nominations

It was easy to come up with this list.  I had too many to choose from so I’m going to give you a bit of variety here in these nominated blogs:

  • John @ The Hill of Beans – I found John’s blog when I was reading a minimalism blog and I found things there that inspired me.  It’s very peaceful and comforting at his blog.  I suggest this is a good one to read if you are stressed or right before you go to bed.
  • Jason @ Islands of Investing – Jason’s blog is also very comforting (hey do I sense a trend, here?) even though he writes on investments!  Can you imagine that?  I like to read investment blogs too, because I’m preparing to manage my our investment portfolios by myself and I need all the help I can get.
  • Asset Grinder is quite the character and is another investment blog I follow.   He really does his homework and has lots of insight to give on investments. He helps his MIL and buddies out with their retirement and debt strategies.  Nothing like giving back!
  • Hypocritical Accountant is a very new blogger who has just gone back to work after maternity leave.  She’s trying to find her groove balancing work and family, and boy, I know how that can be!
  • Kayla @ Shoeaholic No More is last but certainly not least.  She’s got debt repayment, decluttering, house and car maintenance, pet care, cross-fit, part-time job, blogging, and a whole lot of busy going on!  I hope to gain some of her energy vicariously through reading her blog.  ;-)

liebster-pretty-blogger-awardsFor my nominees  – the new questions!

  1. Why did you start your blog?
  2. What is your favourite blog post so far and why?
  3. What part of the day do you like best and why?
  4. What is your favourite quote?
  5. Describe yourself in 3 words.

No worries if you don’t want to participate, but if you do, it’s great to spread the camaraderie.  You can add the Liebster image to your blog – pick a button of your choosing (I’ve included the feminine and masculine versions of the button here) by downloading and adding to your post and in your sidebar if you wish.  Prepare you own 5 questions (you can reuse or modify above) and let your own 5 nominees know.  Link back here in your post as well, to let me know who you have selected so I can go and read.  Oh, I almost forgot…have fun!


blogger-awardsMore Blogger Awards

Speaking of blogger awards, last week I was put up against some great competition at the CNA Finance MVP Awards and Josh felt sorry for me and kindly decided to put my name in the hat again because he didn’t realize I was a relatively new blogger.  So now I’m up against some other steep competition in the new blogger category – Shoeaholic No More and Practical Cents.  I read and love both of these blogs, so it’s kind of bittersweet to be in this competition with them.  But, I don’t want to look a gift horse in the mouth, so if you voted for me last week and still want to again, please email or leave a comment at post linked above.  Good luck gals!


Image courtesy of Nathan Greenwood /

Blogger Carnivals

Here’s some blogger carnivals my posts have been featured in this week.  Thanks to the hosts for including me!

Financial Carnival for Young Adults @ Millennial Cents – Debt Debs Super Duper Advice

Lifestyle Carnival @ My Life I Guess – Top Ten Reasons You Need to Manage Your Finances

Yakezie Carnival @ Smart Budgeting – Canada Day – Be Mindful and Be Brave!

Looking forward to getting back to personal finance posts next.  Enough of this blogging stuff for a bit!


Author: debster

I am a fifty-something wife, mother and new grandmother, who admits to having their “head in the sand” about their financial situation until amassing $247,500 worth of consumer debt for a total debt of $393,500. We've paid $121K in 2 years with four more years to go. Join my journey at sharing ideas and motivation to all those coping with poor money management and bad debt decisions.

41 thoughts on “Blogger Awards and Carnivals – Why I blog?

  1. Thanks for sharing! I love reading more about the people behind the blogs! :)
    Stephanie@Mrs.Debtfighter recently posted…21 Days to Becoming Intentional About Finances- Day 1My Profile

  2. Congrats again Deb, 4 months in and you are making a lot of noise in the space. Keep up the great work!
    Brian @ Debt Discipline recently posted…Net Worth Update: JuneMy Profile

  3. Congratulations on the nominations! I’ve really enjoyed reading about your debt repayment journey. Also, it’s awesome that you’re feeling compelled to help others.
    Addison @ Cashville Skyline recently posted…Getting Away Without Leaving the City LimitsMy Profile

    • Thanks, Addison! I don’t want people making the same mistakes we made or not know how to get started. My key message is, ignoring it is a big mistake and it won’t go away on it’s own.

  4. No one read my blog either in the first few months, but then when the press mentions started coming in, they were all over it ;) It’s funny how quickly people’s perspectives change when you start succeeding
    Stefanie @ The Broke and Beautiful Life recently posted…The New York City ExperienceMy Profile

    • Well, I’m sure your family is quite proud of your accomplishments in that regard, Stefanie! I think it’s awesome.

  5. It’s crazy to think your blog is so young. It seems so established. I see why Josh accidentally threw you in the ring with DC and Laurie.
    Will @ FQF recently posted…Can Money Take My Passion to the Next Level?My Profile

  6. Congrats! It is hard to believe you’ve only been blogging for four months. I can’t wait to see what else you have in store for us =). Your perfect Sunday truly does sound perfect. That’s my idea of a good time!
    E.M. recently posted…What’s the Most Expensive Thing You Own?My Profile

  7. I like how you have lazy and determined in the same sentenced. :) I have a feeling you are way more determined! I like personal stories in blogs too. I really don’t want to read stuff like 5 things to save money on electricity anymore. It was great in the beginning of my finance journey, but I like to relate to people on a deeper level. Congrats on 4 months!
    Tonya@Budget and the Beach recently posted…Are You Buried in Stuff?My Profile

    • Ha ha, I was going to say something about that after I wrote it, too, Tonya, because I also felt they were like oxymorons or something. I know what you mean about those types of articles. I kinda feel burned out by them too and I’ve not been doing this for long!

  8. Debs! Thank you so much for the nomination :) I’m so excited about it. Best of luck in the MVP contest. No worries or hard feelings on who wins that one.
    Kayla @ Shoeaholicnomore recently posted…Decluttering InspirationMy Profile

    • Awww… so sweet of you to say that, Kayla. I was more than happy to nominate your blog, you’ve done some awesome work over there and guest posting up a storm! The good thing about Liebster is it’s an automatic win!

  9. Congrats! And thanks for sharing more about yourself. Can’t wait to read more of your stuff!

    • Well thank you, Mrs. F, and thanks for coming by! Hopefully I can entertain young and old with my personal story telling. ;-)

  10. Deb, Congrats on the award and nomination. You deserve it! You have my vote.

    I enjoy reading personal stories as well but as you mentioned sometimes it can be tricky to share as family and friends might not like it. Keep up the good work!
    Raquel@Practical Cents recently posted…July Progress Report – 2nd Quarter ResultsMy Profile

    • Raquel, I feel so humbled for you to vote against yourself for me. One of the things I like about your blog is the focus on the home maintenance aspect. Our home is a big part of our net worth. We don’t do nearly what we should in terms of maintenance but will be doing this once our debt is gone. Agreed, it’s a balancing act when writing about family and friends.

  11. Congrats and good luck in the MVP contest – that’s a tough one!
    Retired by 40 recently posted…2014 Q2 Net Worth UpdateMy Profile

    • Thanks very much! I’ll be happy even if I don’t win. Raquel and Kayla are awesome bloggers too!

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  13. I blog simply because I enjoy doing it. I like to write and think I have some good ideas to share with people. I like to think that as a former Wall Street executive, that I bring a unique perspective to the discussion.
    Brad @ How to Save Money recently posted…Using Deals to Save MoneyMy Profile

    • Yes, I guess you do bring a unique perspective, Brad! I enjoy it too! I can definitely see why people want to do it full-time, but that’s not in the cards for me right now.

  14. Congrats on your nomination Deb! I am glad that you decided to take your voice, message and lessons learned to a bigger stage than just your church family. And the way that you blog comment and get your name out there, work a full time job, raised four kids and help with a grandkid, “lazy” is never a word I would think to describe you.
    Shannon @ Financially Blonde recently posted…My Biggest Financial BruiseMy Profile

    • Ha ha, thanks Shannon. I guess I say lazy because there is so much more I want to do around the house and have not have the motivation for. Now I am more motivated but can’t find the time! Ugh… first world problems! I’m getting motivated by the minimalism blog posts though, that’s for sure!

  15. Hi Debs!

    Thank you for taking part and for answering the questions – great to see your nominations as well!!

    And good luck with the CNA blogger award! :)

    All the best
    Cottage Retreatist x
    Cottage Retreatist recently posted…Fake Law Firms!My Profile

  16. Hey Debs! Thanks so much for including me in your nominations, I’m very excited to be part of this! And so thrilled you find some comfort in my blog :) I can’t wait to see you take hold of your own investments one day soon.

    You’ve really done some incredible things with your blog in such a short amount of time, it’s really inspiring, and I can feel the energy you put into this every time I visit. Keep up the awesome work, and congrats on the CNA nomination – best of luck!
    Jason @ Islands of Investing recently posted…The treasure hunt – how to find individual stocks to invest inMy Profile

    • Thanks Jason! Glad you got my pingback! I didn’t have a chance to email you or leave a comment on your blog about your nomination yet. BTW, I did start out doing the shadow investing more than a year ago, but didn’t have time or lost interest. That was before my blogging days, but now I am more motivated after taking tips from the blogging community. Of course, I have less time too, though. Don’t know what I was spending my time on before? Probably watching TV. ha ha

  17. Wow thanks for the mention. Really appreciate it. My latest post has you in mind as I directed my friend toward your blog.

    Good Day and Grind On!
    Asset-Grinder recently posted…The Good Bad and Ugly of Project Debt Ali !!!My Profile

  18. Congrats on the nomination and it’s well deserved. I’m glad that CNA Finance also put you back on the list of bloggers to vote for this week so I was able to vote :)
    Kassandra recently posted…In The Name of MoneyMy Profile

    • Things happen for a reason, right, Kassandra? ;-) j/k Thank you for your support! How’s that new place looking? Did you get that last box unpacked and are you all settled in yet?

  19. Debs thanks for sharing, I really enjoyed reading it! I’m one of the avid fan of PF bloggers and I love reading your personal stories and how you work hard to achieve your goals.
    Kate @ Money Propeller recently posted…My Experience with FiverrMy Profile

  20. Deb, that’s funny that you blogged for a month before your hubby knew!!! None of my family read my blog either. Huge congrats on the award, you deserve it!
    Laurie @wellkeptwallet recently posted…7 More Ways to Save Money on GroceriesMy Profile

  21. so excited I found your blog! Can’t wait to read more!

  22. Your husband didn’t know for a month that you started blogging?!? He must not be too nosey haha. I think that’s a feat in and of itself, though! Was fun reading this post btw always great to learn more about the bloggers behind a blog.
    DC @ Young Adult Money recently posted…The Weekly Quick Hits RoundupMy Profile

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