“Here I am helping people out with their money,” he said, “and behind the scenes, I can’t even handle my own money.”
Sixteen years ago, Jon Dulin was staring down $10,000 in credit-card debt. Today, he’s a personal-finance blogger eyeing semi-retirement by age 55.
‘I had low self-esteem. I thought that by buying her things, it showed her that I was worthy of her love.’ —financial blogger Jon Dulin Dulin got a summer job after sophomore year cutting fabric for office chairs at a textile factory near his parents’ home in Pennsburg, Pa., but putting that money toward his credit-card debt meant that he wasn’t saving for the upcoming school year.
With lots of free time on his hands, he started spending time at the Montgomery Mall in nearby North Wales, Pa., walking around and browsing stores. He was soon buying things, despite not having the money to pay for them. Dulin racked up a hefty tab on clothes and electronics. But the “high” he got from buying stuff began to wear off faster and faster, he said, prompting him to buy even more. He says his dumbest move was purchasing two different subwoofers for his car stereo system months apart, running up a tab of more than $1,000 including installation. “They sounded the same; they did the exact same thing,” he said.
After talking to his parents and some friends, Dulin decided to seek professional help from a private-practice therapist in Souderton, Pa., attending weekly one-hour sessions that cost $50 each. The therapist talked him through his self-esteem problems and depression over the course of more than two years, helping him realize he was using his purchases as an outlet for his feelings.
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