One of the best parts about writing Get Rich Slowly is interacting with you, the readers. I especially love to read your success stories. For some reason, the past month has been huge for success stories — you guys are flooding my inbox with them. I thought it would be fun to share a few (edited) e-mails.
First of all, Marisa wrote:
I just wanted to write to say thank you. Your advice inspired my husband and me to finally take care of our finances. I’ve been in grad school for 8 years, and we had postponed many financial decisions as a result. Even though I’m not quite finished and currently am unemployed, we were able to start paying down debt, and are finally free of all consumer debt.
Thanks to the advice on your site, we’ve also opened a savings account, and have an emergency fund plus money for other irregular expenses in that account. And today, we opened a retirement account (with regular contributions auto-debited from our checking account, of course).
This is fantastic. Erecting the framework for success can go a long way to actually helping you achieve your goals. I now believe that one of the reasons I never saved money was that I didn’t have a savings account. When I finally opened one a couple years ago, I started to save. Shocking. The same is true with my Roth IRA: when I opened one, I started to use it.
Cat says she recently took a unique opportunity to de-clutter:
At the end of August, we decided to sell our house. We are in a good neighborhood, home values were holding, and we just weren’t living within our means anymore. Our Realtor thought it would be a quick sale. Anticipating this, I packed away everything I thought we could do without for a month. I packed quickly, without a lot of thought to what could be given away.
Well, the house isn’t selling right away, so I took the opportunity to go through the boxes again. Since we’d already lived without everything in the boxes for more than a month, it was easier to see what should go and what should stay. A lot went. I had already taken two RAV-loads to Goodwill, and my culling got rid of another two loads. More than that, I let go of a ton of my books, and will be listing them for sale. All in all, I emptied more than 10 boxes. I’m happy to not be moving those boxes!
That’s awesome. Some people wonder how frugality and de-cluttering are related. To me, they’re two aspects of the same impulse: the need to own Stuff. When you develop frugality, you reduce the amount of Stuff you bring into your life. But de-cluttering helps you get rid of the Stuff that’s already there. Both can be immensely satisfying.
Finally, Chett wrote:
I wanted to share some good news with you. I have been following this blog for the past year and a half and I really enjoy the content, and variety of topics. JD you have posted several articles over the past few months that I am putting into practice.
For example, I quit my corporate job to return to teaching. I know you didn’t tell me to do that, but the articles on pursuing dreams, and finding work you enjoy only affirmed for me what I already knew I needed to do. We had already been down the debt road and paid our way out and I was able to take a 50% cut in pay and still be okay financially. Teaching isn’t all it’s cracked up to be but I am enjoying more free time with my family and starting to pursue my own interest, for example I started working towards a CFP certification this year.
As a teacher I know it is good to hear that your efforts in your endeavors pay off over time and I just wanted to thank you for your contributions. Keep it up.
It is good to hear from people who have had success practicing the principles I preach at Get Rich Slowly. Sometimes I let the negative comments get to me. (Last week I got “You write too much about pinching pennies!” and “You don’t give enough money-saving tips!” on the same day. How can a fella win?) But when people send me their success stories, it gives me motivation to continue.
If you’d like to share your success story, leave a comment or drop an e-mail. I can’t use them all, but if there’s enough interest, I’ll share a few every month.
This article is about Real-Life





I get something out of every post. Even if I can’t use a particular tip or piece of advice right now, it is always in the back of my mind if the subject comes up again. Living frugally, reducing debt, learning to live far below your means, etc; these are all ways to get rich slowly. I love this blog and totally get it, so just let rude comments roll off you. There are always more people helped by your posts than there are nay sayers.
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J.D.
These are just 3 out of the millions of examples I’m sure there are about how much you’ve helped people, includes myself.
Because of you, I’ve learned how to manage my money better, and control my spending habits.
Also, I started to earn money online, and I can attribute that to you as well. Thank you so much.
If there was a Nobel Prize for blogging and helping people, I would give it to you. Please keep the wonderful tips and stories coming.
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That’s nice to see that GRS shows the wins and doesn’t keep people running scared. There are a lot of people who are careful with their money and are building wealth slowly.
I’m pretty frugal with my money (ok I’m a tight wad) but lately I’ve been spending more freely on stuff that I’ve wanted but been afraid to buy. I’m trying to embrace abundance instead of fear of losing everything. It’s working well. I still spend below my means, but I wasn’t afraid to buy the Wii and I’m looking for a new TV. I’m waiting for all the Christmas sales to kick in when I buy a 42 inch LCD.
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JD,
There is a picture that was given to me last year from a student that said “100 years from now, it will not matter ~
What kind of car I drove,
What kind of house I lived in,
How much money I had,
But the world may be different because
I was important in the life of a child”.
I think this quote can be applied by inserting “a reader” at the end. Many people reflect as their life goes on and wonder what type of legacy they will leave, if they made a difference. I think by the time this post is down that you will rest easy tonight.
Thanks again JD
http://www.my5k5k.com/
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About the clutter: it actually costs you money to keep around. I’ve lost items, replaced items I’d forgotten I owned or purchased duplicates of things I thought I ran out of, misplaced bills in piles of papers resulting in late fees, broken or damaged things that were stacked on or around clutter, let coupons and gift cards expire, etc. And have you ever tried cleaning around clutter? It doesn’t happen, which can result in illness, which is guess what?…expensive.
I’ve been decluttering on a regular basis since last year and it’s made my life much more sane. (Actually I owe thanks to Flylady.com) It’s a lifestyle just like frugality. Do a little bit every day and stick with your routines, and you just may find yourself enjoying your own life.
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JD,
I’ve been reading your blog for around 2 months now and wanted to also let you know that it has helped me tremendously. Discovering your blog came at a time when I was sick of not having any money in my checking account, having a small amount of credit card debt, and having no savings to show from my paychecks. I’m a 21 year old college student but I work for my dad (family business) who is helping me with most of my living expenses until I graduate.
Since I discovered your blog I’ve learned quite a bit of useful personal finance knowledge. I recently opened an ING Direct savings account, purchased the YNAB software, and am steadily paying off my credit card debt ($264 left!). I’m over half-way there in my goal to pump $1,000 dollars into my ING savings account and I’ve set up automatic recurring deposits on my paydays. I’ve also been fortunate enough to start my 401k account at such a young age.
With the tips I’ve picked up from your blog and the action I’ve taken to start becoming more aware of my personal saving/spending habits, I feel like I’m well on my way to financial success.
Thanks,
SKM
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grad students can pay off debt too- YES!
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I really enjoy your site. It was one of the first I found on the net after I accepted once and for all that I had a big problem with money and the mishandling of it. Your site, and a few others, help me to stay on track every day. It’s like personal finance therapy!!
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JD I love your blog and look forward to reading it everyday (or catching up on it every couple of days). I really enjoy the success stories, and once I reach my goals I intend on letting you know! I have been reading GRS since July this year and it has completely changed my view on money and I’m actually a little bit addicted to personal finance now. One of your comments in particular has had a huge affect on me – no one cares more about your personal finance than you – once this sunk in my attitude completely changed and I am now a reformed spendthrift and know exactly where every cent goes – from needs and wants to savings.
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I think success stories make everyone feel better, especially in these volatile economic times.
Keep it up!
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JD – I love your blog! I found Get Rich Slowly eighteen months ago. You know the drill–I was in some pretty bad debt. I’ve paid off over $14K since then, and last week I paid off the last of my credit cards! Thanks for all the great advice and inspiration. – SA
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I love success stories. Any opportunity you get you should share. I am hoping this time next year I will have a success story for you.
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I’d love to hear to more sucess stories, blogs like this and others have made a huge difference in my life. Keep up the good work.
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JD,
You must have helped people pay off hundreds of thousands of dollars by now. Now you just have to figure out how to get a cut of it
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J.D.
Don’t let the negative comments discourage you. People always have opinions…but you started the blog because you wanted to share what you learned. Just keep doing that.
I’ve enjoyed so much your very much “layman’s language” and not assuming we know all the terminology when it comes to finances. There is so much I have questions about but when I go to a high finance blog, they begin to talk “financial speak” and I get lost quickly.
I first came here because I enjoyed reading about your digging out of debt. We’ve never been in debt except when my first son was born without insurance and had to be in ICU for a couple of days. We were able to have him paid off within a year, though, and it was the best birthday present!
He got a cake and a candle (with a pic) and didn’t even realize he didn’t get anything else. We got peace of mind and a goal met. He’s 20 now and we have 4 others.
We’ve not been where you are, but I thank you for your “moments of sanity” when it comes to money. The good reminders to live within your means, turn off the tv, ignore the commercials and stay out of the stores could be reiterated daily!
I recently went to the states and couldnt’ believe the “dumb commercials” I was hearing. Things like “You can’t afford NOT to” (buy a car because of a $5000 rebate) and “buy 3 pair, save 25%”…duuh…how much did you just spend if you bought 3 pairs of shoes instead of one or none at all?
I’m living in a foreign country and really am not that exposed to commercials, so they hit me really hard when I was re-exposed to them for two weeks. I couldn’t believe the rationale!
Maybe a post dissecting the “bandwagon” philosophy and other advertising ploys would be good. Or if you did it before, rerun it.
Thanks. Keep up the good work. I’ve enjoyed the gardening posts and evalutating the cost and value, etc.
With the financial crisis and all, does that affect those ING accounts?(I’ve seriously considered starting one, but haven’t jumped yet.)
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as an individual verging on the crest of “big scary adulthood”(recently graduated college, looking for work, paying rent, etc) your blog is very much an inspiration. i’ve only recently found it, but i’m sure i’ll be an avid reader (as well and scouring the archives for more juicy tips and advice).
thanks for putting together a very useful and insightful blog everyone can benefit from.
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