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Worthless or Not?

December 9th, 2006 at 12:08 am

I was sent quite an email in regard to the post I made about the secret of becoming rich:

If we already know everything and you can't teach us anything new, then you're worthless. Why should we waste out time reading your drivel? You should be ashamed at making your living doing something that isn't worthwhile to anyone...

While the email was a bit harsh in my humble opinion (I certainly hope that my writing isn't considered "drivel" by most), it does bring up a valid point. If everyone already knows what they need to do to become wealthy, what is the role of personal finance sites and bloggers? Here is my answer to that question:

Different Perspective: I think that it is important to present information in different forms and from different angles. The way I look at money and the way that you look at money are probably not the same. If I can write about a subject from a different perspective than you thought about before, maybe that will be the seed to help you do the things that you already know you should be doing.

Motivation: Just because you know something doesn't mean that it is easy to do. Personal finance writers can help remind you about what you already know in a way that helps to motivate you to actually take the steps needed to place the financial knowledge into motion. Just like with exercise, even when you know what you should be doing, it helps when you have a trainer or a workout partner to help motivate you to keep up the training.

Support: While people know what they should be doing, they often don't begin to do so until they have spent a lot of time not doing what they should have. That means that they have money obstacles to overcome. Once someone begins taking the steps to get their finances in order, it's not always an easy road due to the past mistakes. It helps to have the support of others who are going through the same issues or who have already gone through them to keep on the correct financial path.

Detailed Knowledge: While many know what they should be doing, they may not always know how to go about doing it or that there may be a variety of ways of doing it. In the form of a blog and websites, the detailed knowledge of how to go about acting upon what you already know can be passed along.

Confirmation: While people know what they should be doing, there often isn't a place where they can confirm the information they have. Unfortunately, money is still a subject that is often a taboo subject among family and friends, so some people need to find an alternative source to confirm they are on the correct financial path.

Entertainment: While entertainment isn't usually a word associated with personal finances, I hope that the subjects I write about and discuss make you think and are enjoyable to read (at least that is what I'm striving toward). Hopefully I can pass along information while also making you think a bit and also bring a smile to your face every once in awhile.

Are personal finance writers worthless? I don't believe so (although I wouldn't mind it if there was a day when they were - I would gladly look for another job), but if you happen to be one of those that do, you are always free to not read what I write Wink

19 Responses to “Worthless or Not?”

  1. Thrifty Ray Says:

    Id say someone got up on the wrong side of the bed....geeze Jeffrey. There are so many options on the internet...if one doesnt suit your fancy, why not just move on to the next....why bash the author?

    I hope you know how much we appreciate your so called 'drivel'....I find your information all of the above...motivating, new perspective, etc.

    Thank goodness there are folks like you who provide a place for people like me to learn.

    Phooey on the naysayer....IMO.

  2. Thrifty Ray Says:

    Jeffrey- when I click on the link in the first paragraph, it takes me to a new entry page...with your information on the right. EEK!

  3. Broken Arrow Says:

    Given the semi-anonymous nature of the internet, it has become an excellent medium for some to display their spectacular understanding of the meaning of sheer ignorance. What people like that don't realize is that, to even arrive at any solid conclusions-- even if the conclusion is to deem something as "worthless"-- requires deep understanding and knowledge.

    I don't think your writings are a drivel. Quite the opposite, they are generally very well thought-out and comprehensive. Such as this one.

    I wouldn't lose any sleep over people like that.

  4. jeffrey Says:

    Jeffrey- when I click on the link in the first paragraph, it takes me to a new entry page...with your information on the right.
    Opps, corrected.

  5. janH Says:

    I took accounting in college. I came from frugal parents. I have a frugal husband. Did I do well in managing my money? NO. This site has helped me with information, motivation, humor, support, and the feeling that I CAN do this--my way. I have found a gold mine. Keep up the good work. People like me need people like you!

  6. sarah Says:

    I am so sorry this happened to you. Your writing is certainlly not drivel.

  7. LuckyRobin Says:

    I would add another one. Repetition. I know that it takes me several times of hearing the information over and over before it really sinks in and starts to percolate in my brain. There is such a difference between hearing something and knowing it.

  8. baselle Says:

    Hehehe. What was your emailer expecting - lottery numbers?

    I think that the bloggers themselves get most of the benefit of blogging this stuff. I would add yet another benefit - accountability. I, and most of the bloggers here, have stopped spending in certain situations because we would have to 'fess up in our journals.

  9. mairgrif Says:

    So, instead of writing the truth and encouraging people to use what they already know, you should write about 'get rich quick' schemes that don't work, and will only waste our money and time, and demoralize us? Nah, I'd rather the 'worthless drivel'. Knowing something and using that information are two very different things.

  10. kealina Says:

    i've enjoyed reading the things you've written... everything you mentioned is something i've found here...
    don't worry about that person... you simply can't please everybody and finances are a sensitive topic... people don't always like it when you point out the truth...

  11. StressLess Says:

    Good grief! I'll repeat what LuckyRobin said about repetition--I can hear the same idea over and over again, and suddenly one day it sinks in. Frankly, I don't know what I would have done without this site. There's nothing else like it online!

  12. monkeymama Says:

    If everyone knew, there wouldn't be so many people here. & EVERYONE would be rich, right?

    How rude!

    Well I think what you do is quite worthwhile...

  13. Ima saver Says:

    I enjoy your writing a lot. I love this place!

  14. Aleta Says:

    It sounded like the person writing to you was dissappointed in your article about the secret of being rich. Otherwise, why was he or she there? I love this site. It's opening me up to ideas I wouldn't have thought of and it has encouraged me to do certain things that I was fearful of.

    I also believe that everyone learns at different times and levels. What I call a "LIGHT BULB" moment is when I get an idea or answer when not necessarily looking for it at that time. Also, there are times that we aren't receptive because of various reasons. It could be sickness, stress, businessiness, or you name it.

    The other day I was at my DIL's house; opened up a cupboard, and viola had an orgaizational problem solved that I had pondered on for quite some time. She doesn't consider herself an organized person at all, but there it was - another person's idea. So, even though we know what to do, sometimes we don't. It's stuck in the middle between our ears.

    I also like the other sites frequented. That's a whole new area to explore and it contains a certain amount of safety because others have gone there.

    So, anyway, you're where you are with this website and the person (Opinions) are where they are. You're doing a great job! Thanks!

  15. Broken Arrow Says:

    I was very tempted to spend money on this Saturday night. Yes, I'm reading here on a Saturday night. Big Grin Anything from something yummy for the tummy for $30 to this laptop I've been eyeing at for $500. Well, actually, the laptop that I really, really want would cost $2000, but I digress.

    It's not hard to go out and just... spend money. However, on nights like this, this site is helping me soothe the spending itch. That's translates to real dollars, dude! And it can add up too.

    So, thanks for the help and keep on writing!

  16. Grateful Says:

    I was reading each of your points Jeffrey and could check each one as being pertinent to my life. I read these blogs and articles on savingadvice.com every day. I can't tell you how much it has helped me! I so appreciate everything you and the other bloggers on this site share. I hope when people send in comments that you can just take what you like and leave the rest. Wishing you continued success!

  17. miclason Says:

    also, don't forget that some of us actually DON'T know these things!...I was raised by spenders, savings accounts were not important, money was supposed to flow endlessly (from where, only God knows!) and we were supposed to be "set" for life....losing everything was a shocker and, honest, if it weren't for this site I would never have known where to begin! ...as "obvious" as some things might be to you, some of us are really clueless!
    (thanks, by the way, I would have already sunk -financially- if it hadn't been for all your "obvious" advice!)

  18. fern Says:

    Every once in a while we get one or two posters here with a really bad attitude and not a whole lot to offer. As someone else here said, if they don't care for the site they can just move on without spreading their nastiness around.

  19. mahanda Says:

    i love this place!!
    not only do i get great information--i receive empathy from others who are learning Just Like Me. your information helps me stay on track and it is the one e-mail i never delete before reading.
    do not have any advice for the nasty emailer, but i have never read any drivel here

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