Growing Slowly

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slow growth

Most apropos fortune cookie ever.

I don’t know that financial literacy is something that always springs up on people out of the blue.  I know for some people, there’s a light that switches on after hitting rock bottom or finally reaping the results of following someone older and wiser’s advice.

But I’m not one of those people.  For me, financial literacy was something that I learned slowly over time.  Most of it I learned in the incubation of my own home before I reached adulthood.  My first money lesson was more of a slap in the face after being conned than an “A-HA!” moment.  I learned both from intentional lessons my parents set out for me and from observing their financial successes and failures.  (That’s not a jab at them; we all make mistakes from time to time.  I just think children are more acutely aware of their parents’.)

I’ve had a few missteps since I’ve become an adult.  Small mistakes; nothing truly tragic.  But I have always taken an active interest in my finances, being responsible and learning new things as I go along.  There’s always a lot left to learn with anything we do in life, and I know I have some more growing to do in my own world of personal finance.  But I’m overall happy with my progress so far.

I don’t have a money “A-HA!” moment.  Instead, I have a lot of little moments that have added up to a degree of confidence over the years.  And I’m really happy with that.  Slow growth is healthy growth.  And, at least in this situation, it has served me well.

Financial Literacy Awareness Month

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27 thoughts on “Growing Slowly

  1. anna

    Slow growth is healthy growth – so very true, FF! I agree that children are more acutely aware of parent’s actions, and that I modeled my actions (well mistakes) after them. I also agree, though, that I don’t fault them – that’s what happened in the past and no use looking back. It’s what happens in the future that matters!

  2. Laurie @thefrugalfarmer

    LOVE that quote on the fortune. I think so many times people don’t even try to reach financial freedom because they feel like they don’t know anything, when the reality is that for every piece of info we learn, we can be one step closer, and that’s better than staying stagnant. Awesome post, FF!

  3. Maggie@SquarePennies

    The great thing about adding good habits slowly is that they become a normal part of your lifestyle. That’s a lot easier to keep going than a lot of big changes all at once! We don’t have to have an A-Ha moment to learn. It’s great that you learned so much from your parents. Not all kids pay close attention! You are doing well on your journey, femme!

  4. Manda

    Ah, financial literacy has definitely been a slow lesson over time for me too. In all honesty, it’s something I’m STILL learning as I’d say I have more of an awareness than practice about it, if that makes sense. Not gonna lie – most of what I know is from the PF blogs I read 😛

    1. femmefrugality Post author

      I learn so much from PF blogs, too! For example, I had never heard of a goodwill letter before I read about it on another blog, and I tried it successfully.

  5. Mel

    I love the fortune cookie! It’s so true about so many aspects in life. I’m actually a little encouraged that my interest in personal finance keeps moving deeper, even if it’s not at a constant rate.

    1. femmefrugality Post author

      Usually our fortune cookies are just weird or depressing. My favorite we’ve gotten in a while! And you should be majorly encouraged. Some things take a little longer to stick with us, and with any type of learning we all hit a plateau stage for a little while. But I think you’re doing so well.

  6. The Thrifty Issue

    I think many people have a slap in the face rather than an AHA moment. Learning is a lifetime thing I think and financial literacy is not something you can achieve in a quite hit. Growing slowly is good.


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