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Emotional Spending

  • High Lows

    December 1st, 2025

    There is something to be said of succeeding and starting over than never starting at all. It is just difficult when you have attained a certain level of financial health only to begin again at zero.

    We succeeded on saving almost $9,000 because there was an urgent home project that we found ourselves steeped in. It had to be fixed. Our saving methods were ravenous. Every extra penny, every overtime check, even my bonuses went into this savings beast. We hit our mark, fixed our home, and then were left with the gaping hole where our savings used to be.

    Back to black and beginning yet again is exhausting. I felt the depression creep up in my throat because we are now left exposed to life’s fickle nature. I am proud of our accomplishments, don’t get me wrong. But it is the starting over, slugging through the financial muck once again is leaving me in a state of exhaustion. I would like to say that I have a strong mental fortitude for times such as these, but there are days where it is hard to get out of bed and face the world, to hustle again and again.

    Today, my bed won. The closing off of the world with thick blankets seduced me into a false sense of control. I know that I cannot sustain this disconnect from the world for more than a day because things have to be taken care of, the house needs cleaning, and I need a shower. I will pull myself through this again and again and again for as long as it takes to be financially and emotionally whole again. I believe that we are more capable than what we give ourselves credit for, more powerful than what we lead ourselves to believe.

    Don’t forget to take care of yourselves friends, and believe in yourself

    Love, Elle

  • Shifts

    September 30th, 2025

    I believe that there is a part of myself that either has to evolve or end for change to occur. I remember a time in my life where I kept choosing demise over divine. I buried my head in the sand and I thought that if I ignored the hard choices long enough, that somehow I could skate past it, forget about it, outrun it. Not everyone reading this will know what I am talking about.

    There are some days in my life where there is a voice of demise. I listened to that voice today. I gave into it, voice as soothing as silk. I used my credit cards. I bought alcohol and drank both bottles. I don’t know why I value my suffering as something that has to happen before I can be happy. Self flagellation with using money that isn’t yours to buy things you truly do not need.

    I know that I deserve to be the highest version of what I can be, but why do I repeat the same patterns, swim in the same madness that propels me into financial insecurity.

    I can only believe that we have to fight that groove that is wrought in our brains, the groove that is hollowed out time after time when we choose the wrong choice, drink that extra drink, and spend money that we don’t have. Today, I lost the battle. I was too weak, my resolve too beat down. I tried to eliminate pain, but ended up creating more destruction. I was swept away in the deluge, the path that was so easily transversed.

    There is no light without the dark, that is what I keep reminding myself. Shifting the perspective. But how many times do I allow myself the darkness, the endless race to the light? What is my light? What is my purpose? The rationale for all this self destruction? What is this trying to teach me? Am I able to be taught or am I going to keep repeating this time after time? Is this some sick awareness without the ability to change?

    My words are slick with alcohol and it is beginning to dim my thoughts. I want to believe that I deserve enlightenment. I am just glad to believe that I deserve something more than the choices that I have chosen. These choices will not define a life that I believe has more better choices to choose.

    -Elle Brown

  • Aching

    June 29th, 2025

    As I write this, I am overwhelmed with the notion that I am nearly 40 and I have no savings at all. Zip, nada, none. I remember seeing the Pinterest posts that show what you should have achieved by a certain age, such as, have a fully funded emergency fund by age 30, house paid off by 40, and retire by 50. All of the milestones that I should have already hit by Pinterest’s standards are now sitting on my chest. Yes, I am aware that everyone’s financial journey is different, but why do I still feel behind?

    My aching chest almost cannot handle the financial pressure. The stress has emerged in several ways such as exhaustion which affects my job. Boredom, because we are trying to save or give a home to every dollar, has started to creep in and we spend our weekends like ghosts staring at the walls of a house that desperately needs repair. Oh, that is also on the list. So we sit in the house, walk our pets, and do the same thing over and over again that it almost feels like Groundhog Day. Where is Bill Murray to provide some humor in all of this sameness?

    I know there are people out there that feel like this. I also know that walking is free and helpful, libraries are free, vision boards are great and free and all the other free things we can do. Learning to change is hard when you have been a certain way for quite some time. Unlearning all the things that have brought you to demise is like trying to remove a cozy coat that kept you warm or being pushed out of an airplane without being taught how to pull the ripcord, panic setting in and praying you learn it before hitting rock bottom.

    I just don’t know how to be here, in the present. I know how to be there and there and behind and forward, but not here. Here in the present, I am writing about feeling so insecure about my finances. There in the future, I am financially stable and do not have the money worries that current Elle has now. I want to be there so bad I can almost feel how it feels to wear that skin and be that person. I am so inpatient and scared that I will not get there.

    I am hoping that I will friends. That we all get there.

    Much love, Elle

  • Ranting

    June 22nd, 2025

    Paycheck to paycheck was not the plan. The plan was to be financially free by 2024. Well, it is 2025 and I am on my same bullshit that got me seeped in all this mess.

    No one talks about what it takes to get out of the paycheck to paycheck lifestyle.

    No one talks about how the cash/check advance is just a bandaid that you will eventually have to rip off. This does not apply to me now, but years ago I found myself under the throes of a never ending cycle.

    I feel like all the money advice is geared toward when you have your finances in order.

    I also feel like if the world is in constant turmoil, it is difficult to see the light at the end of the tunnel with finances and our future.

    I want to start blocking everything so I can focus on my finances and my mental health. Unhappy people spend, content people save and feel like they have enough.

    Why can’t I be one of these people? What does it take to be this person?

    I really don’t know anyone like this, how do I find these people for mentoring purposes?

    Why does this feel so hard and like stability will never happen?

    I just have so many questions today. I know this post is everywhere today, but this is how I feel about money today.

    Take care of yourselves both emotionally and financially friends.

    -Elle

  • Improvement Fatigue

    May 26th, 2025

    Today I woke up with the expectation that I would make this day count. I would clean, sweep, cook, read, write, and somehow drink my coffee before it turned cold. I Mr. Cleaned my office desks, cleaned my iPad and MacBook screen with alcohol so that there are no smudges. I set my goal book and notebook out to fill out later with all the things that I wanted to accomplish this year both financially, physically, mentally, spiritually, etc.

    Then a wave of exhaustion just hit me.

    I can only attribute this exhaustion to improvement fatigue, the notion that in our attempt to progress to a higher state of being that we exhaust ourselves.

    It doesn’t just end with our physical state of being, it can also envelope our space, our landscape outside, and our jobs.

    I feel like I am improving myself into the grave. I cannot just stop and relax and take it easy because of the plethora of things that need done. Dust is piling up and my mind is becoming even more stressed that I am somehow behind. I hate the feeling of being left behind.

    So, today I am going to be gentle with myself. Take it easy. Be unproductive. For the sake of my mental stability.

    No books about financial peace, no podcasts about mental health, no writing about how I wish that things were different with my life.

    I am sitting in it today. I am only going to do what I want to do. I may even take a nap. Everything can wait and I will not feel behind.

    Be gentle with yourselves today.

    -Elle Brown

  • Pick. Pick. Pick.

    May 12th, 2025

    Trigger Warning: Dermatillomania, Skin Picking, Skin Damage, mentions of blood

    I bet you may be wondering why I am talking about a lifelong struggle in the midst of a financial blog. At first, I did not see the connection of my own financial health and my mental one. For years, I spent what I wanted (within reason of course, I didn’t want to spend to homelessness). As the anxiety started to rise and become almost unmanageable without medication, I saw that my cuticles were worse for wear. I was also turning small pimples to open wounds on my face, convinced that I was purging my skin of a pustule invader. The more I spent, the more I became an open wound of my own making.

    It became so bad that I eventually had to go to a dermatologist that my insurance covered to be put on medication to help clear my face and I started really trying to take care of my skin. Healing my skin took 2 years and I now take pride when someone tells me that I have a beautiful face. With the knowledge of my severity with Dermatillomania, I know what I do that causes anxiety may eventually lead to a bad skin trip.

    In March 2025, I had my first severe emergence of skin picking.

    On my left hand pinkie finger, I started to really tear up my cuticles and the skin further outside of my nail bed. Sometimes, I am unaware that I am doing it until there is blood smearing across my hand and I feel the wetness of it. It also just so happened that I was spiraling in my finances because I was wanting to pay off debt quicker than having a stable foundation of savings. Me and my partner were hit with a bill that would have been manageable if we had an adequate savings. The bill was less than a $1000 dollars. We did not even have that to cover. Spiral.Spiral.Spiral.Pick.Pick.Pick

    Lessons are learned best the hard way. My skin will heal, but if I don’t take care of my financial health, it will spill over into other areas of my life. With me, it’s my skin.

    Friends, take care of yourselves and your emotional spending habits.

    Much Love, Elle.

    *For those also struggling with OCD or Dermatillomania, I recommend OCD Center of Los Angeles Blog. I am not affiliated, I just love their blog and I subscribe to their email subscription.*

  • Shame, Shame, Shame ðŸ””

    November 14th, 2024

    Self awareness is a fickle thing. For one, you become more aware of what helps you cultivate a higher version of yourself. By elevating your self knowledge, you essentially are able to recognize standards that serve your internal compass. However, when I became more self aware, I also seemed to steep myself in shame.

    When I started this journey of financial betterment, I thought that I realized the full weight of my money mistakes. Knowing and feeling are two different beasts, each with their own pulse on how things should go and how things should be. I knew that I was falling deeper in the pit of despair with finances, I could see it on my bank statements. I could see the sheer amount of things that I acquired, bulging closets full of clothes that I may have worn just once. What I hadn’t anticipated was the weight of shame.

    Currently, I am wearing shame like a thick overcoat, too tight at the neck and too hot for comfort. And with shame, embarrassment is also rearing its ugly head. I feel frozen in time by my shame. I know I will have to move eventually into a post shame state, but I am finding it difficult to forgive myself for all the asinine things I have done. I feel like I have made so many mistakes with money, many of these were done when I was in a heightened emotional state. Co-signing loans for my loved ones (oh, you know who foot that bill), cash advances (there is a biblical record of my poor money mistakes that I swear is two inches thick in a folder at my local cash advance place), cashing “this is a loan” checks that came through the mail, you get the picture. I am glad to say that my last rendezvous with these horrible money mistakes were years ago, but I am feeling the effects now in real time.

    I also have to earn back the trust of my partner, who is much better with finances than me and is powerless to stop me from digging a deeper hole. This shame feels too much to bear, but at the same time, I believe that sometimes we need shame to propel us in the right direction. Shame can be a useful tool to teach us where we are falling short of the actualization of ourselves, maybe even our higher selves.

    But enough verbal self-flagellation for today. I didn’t realize how much I have to sit down and forgive myself in order to move forward. I hope that you all can forgive yourselves for any shortcomings that are blocking your path to transformation. As always, much emotional spending love,

    Elle B.

  • Begin Again

    November 10th, 2024

    Shovel in hand, I have decided that it is time to dig myself out of the financial ruin in which I have surrounded my life with. It is not easy realizing that no matter the reasoning in which one has landed in a place of self awareness, the truth remains the same. The truth is that I have made terrible and impulsive financial decisions. I was an active participant to my own financial hell. I could write about the ways that I could beat myself up or I could start fresh.

    I vote on starting fresh.

    So for me, starting fresh looks like this:

    1). Create a budget.

    2). Decrease unnecessary spending.

    3). Work on lowering our grocery budget.

    4). Hacking my current subscriptions.

    5). Decluttering both environmentally and financially.

    6). Create a debt payoff plan.

    All these things seem like monumental undertakings. If I were to look at this list as a whole, I would already be overwhelmed and give up. I am not going to see the entire forest, I want to concentrate on a single leaf. That leaf will create other leaves, that would further make up branches and then the whole tree. I also write as if this is the first time that I have ever created such a helpful list. *Sigh* It is not. I have made countless lists, budgets, debt plans, gyst notebooks (get your shit together). I have paid off debt, just for it to creep upon me once again. How will I stick to it this time? How do I know that I just won’t screw it up again and start again from square one? I don’t. I only know that repetition is the key with most things, why not this? So, I begin again. It is helpful having this blog to write it all out, so someday I can look back at it and see how far I have come. I believe that we all have the power to change our trajectory. I hope you have the will to begin again, you are so worth it and so am I. Much emotional spending love,

    Elle B.

  • Breakthrough

    November 7th, 2024

    Normally, I detest the word “breakthrough”. It’s a dramatic word, an exclamation of intense knowledge about oneself that I cannot help but be jealous of. I would imagine that somewhere someone’s subconscious would surface with such intensity that it was akin to the Koolaid Man smashing through a wall, all while screaming “OH YEAH!” Well, I had my Koolaid Man moment today, all while stuck in traffic.

    For so long, the reasons for my spending habits were elusive to me. The causes lost in so much emotional baggage, not really coming forth until I was talking to my partner whilst in bumper to bumper traffic. I knew that there was a cause to create so much effect. The effects were surrounding me, cocooning me in excess of all kinds, which is now causing me to feel so smothered by my poor financial choices.

    For most of my childhood, which is mostly blank to me because I cannot remember most of my traumatic upbringing, I felt absolutely worthless. I felt like I did not matter. My needs were not seen and in turn, my needs were neglected. I was neglected. I was abused both mentally and physically by my parents. I felt less than nothing. Money that my parents did have were spent on drugs and lush, truly eliminating anything that I needed. In turn, I internalized the weight of it, realizing that I did not matter to the two people who were supposed to love and care about me the most. I was brought into this world and swiftly discarded once I stopped being cute and controlled.

    This started to change once I started making money of my own. My first check was cashed with my parents in the car, so they were now privy to how much I made, which led to getting calls for things that were needed because of their money and drug habits. I bought my parent’s attention unknowingly. The attention and importance that I wanted to feel, I was now swimming in it. I became an enabler and it was a vicious cycle. I was in too deep to crawl out. I bought groceries. I saved my leftover meals for them when I went out to eat. I hid big milestones in my life because since I was doing so good, “hey, can I borrow $100?” questions were around every corner. My mental health started to suffer because eventually all the attention and the love I was receiving came at a cost, I wasn’t their daughter, I was a cash cow. I again didn’t matter unless I was valuable. I honestly felt this more from my mother. Her calls were cold and quickly started asking me for money not even 30 seconds into the call. My father was more passive and I do believe there was a part of him that was more interested in how I was doing, but he still benefited from her.

    Now years later, I am sitting in traffic, unmoving and yet I feel my mind soaring in so many directions. I feel this way when I am driving, lost in so much thought. Then it came to me. I started using money to create a sense of importance. I used my card as a badge of belonging. I matter because look at all the stuff I have now. I have everything that I could possibly ever need or want. I became the financial version of a parent to myself. But the problem is that there is no amount of money that I could spend to convince myself that I matter. There is no coin to prove my sense of belonging on this earth. Money isn’t going to fill the hole in my heart where my loving childhood memories should reside. I used money to feel like somebody, all while locking away the child within myself that is hurting and wanting to be seen.

    I now have the reason why I use money to soothe the sadness that I feel. But what now? What happens now?

    I honestly don’t know. I feel like the answer is somewhere where reparenting myself resides. The shift from buying my own love for myself to truly loving myself sans bribery is going to be a task. I am sure I will find the answer because of my tenacity for learning about new things, even learning to love myself and provide for myself without the influence of shiny baubles. Thank you for reading because it was difficult to write about this. As always, much emotional spending love,

    Elle B.

  • Outgrowing Ourselves

    November 2nd, 2024

    My partner and I went on a date last night and the fare was awesome. The food was great and it was affordable and we could see ourselves coming back there for another go. We really enjoy each other’s company and honestly cannot go on a date without laughing and having fun. We decided to order drinks and they were tasty but almost devoid of alcohol. It was interesting trying the different cocktails and tasting the creations that the bartender could whip up. Then it hit me, we have changed. We used to drink to get drunk and party. We used to drink to forget about the stressors of the week. We used to drink to numb physical pain. We were only social drinkers once a week, but honestly drinking heavily started feeling more like a chore than fun. We were running away from ourselves and the work that needs to be done. It put a spotlight on the things within myself that I have been neglecting: getting better with finances, maintaining/improving the current level of my mental health, keeping a tidy house. The list can go on and on, but those are my top three. I didn’t realize that changing can be so noticeable. It was like turning a very sharp corner driving and feeling the movement in my body. Drinking heavily doesn’t serve the life I want to live or the bank account amount that I want to achieve. Drinking heavily doesn’t foster great relationships with others and myself. It can be fun, but honestly I do not need more fun in my life. I want more financial stability. I want creativity. I want to feel what I have been outrunning instead of numbing it down. I cannot do those things when I am clutching the ground, retching up the decisions/regrets that I made hours ago. So, things are different now, and that’s ok.

    Update to previous posts: I have finally used up two products! I honestly felt good to use them up knowing that I paid for it and utilized it fully, getting my money’s worth!

    I hope you have a wonderful Saturday and as always, much emotional spending love,

    Elle B.

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