A finance expert explains the life-changing power of keeping a 'money journal'—and why we should all do it

This served me well throughout childhood, but created problems as I got older. I saw my resiliency as a badge of honor, but would refuse to ask for help, because I was afraid it would make me look weak. So when I had money troubles, I didn't know where to turn for support. Neither of my parents had financial stability.

Keeping a money journal also forced me to trace back to my childhood experiences, which ultimately helped me figure out what I wanted to do in life. After hours of writing, I realized that fourth grade was a pivotal time for me. It was the first time I got mooned, the first time I got into a fistfight, and the first time someone called me the N-word.

I was able to see my childhood self: the good, bad and the ugly. Skimming through the past, I realized that I was apparently good at math, even though I never felt like I was.

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