Hi, and welcome to The Bare.
This blog, which was started in 2017, covers all the hidden spaces of adulting we don’t like to talk about.
Investing and preparing for retirement.
Dating with baggage and dealing with relationships.
Body image and anxiety and depression and loneliness and feeling like you don’t belong.
You know. Normal, everyday, tough shit.
Who is Clo Bare?
I’m Clo Bare, also known as Chloe Daniels. In October 2021, I quit my job in marketing and communications to pursue my passion of teaching people how to money full time. I’m a financial educator, focusing on teaching folks how to take control of their money issues and start letting their money work for them. Teaching people how to money is what gives me life. It’s my true biggest passion and something I would’ve never started doing if it hadn’t been for The Bare.
Back in 2017, I used this blog to work through some pretty heavy PTSD, body image issues, and relationship problems. I chronicled my therapy journey as well as my relationship journey from giving up on a relationship to navigating my way through dating after trauma and as the wounds began to heal, the blog started to take on a different form which is why you’ll see that I mostly write about money these days.
Even though I now focus on personal finance, the journey that led me here is still available on this blog. Because why would I want to erase all that learning I did if it’s helping folks along the way?
To this day, The Bare is mostly profanity and oversharing, but it’s also got a lot of vulnerability, honesty, and serious introspection to recognize my own shit and fix it. That started with mental health, turned into relationships and personal growth, and landed on personal finance and money management.
I used to be terrible with money.
Money was DEFINITELY one of those things that I had to fix about myself because I used to be TERRIBLE with money. I knew it wasn’t something I could ignore because money was something that caused me a lot of stress and anxiety in my life and the longer I blogged about owning my shit to fix it, the more I wanted to deal with my money issues and write about it.
So, in October 2018, just a few months after starting a job that made me realize I actually MIGHT be able to pay off my student loans someday, I started budgeting and I started writing about budgeting. I’d share my spending reports online, literally everything I spend in a month is on this blog for all to read for every month since October 2018, even if sometimes I’m late and even if I go way over budget.
My “Debt-Free by 33” Plan
Originally, when I started my debt-free by thirty-three plan, my BIGGEST motivator was to become debt-free so I could quit working and travel the world for a few years. I still didn’t really understand anything about money, or investing– I just understood how to not spend money so that I could put more on debt. I didn’t want to travel with massive student loan debt, and so I decided to start dedicating huge chunks of my paycheck to debt payoff.
As time went on, I discovered the FIRE community, which is the financial independence retire early community. At first, I was kind of like “yeah that’s cool but there’s no way I could ever do that these people are crazy” but I COULD NOT stop reading all the blogs of these people who retired in their 50’s or 40’s or even 30’s to travel or live on a homestead in Vermont.
I’m a huge believer that the people we are most jealous of are the people we want to be like.
And I was JEALOUS as hell of these two millennials who retired before they hit thirty and have been traveling the world ever since.
So I decided– if they could do it, there’s no reason I can’t at least TRY.
And that’s when I started getting REALLY serious about my money. I decided to start living off of less than half my income in order to use the rest to pay off debt, save and invest. I started reading everything I could about investing and retirement accounts, and how to be more frugal in order to save even more money. I started organizing meetups for people who wanted to talk about the FIRE movement. I started coaching people how to do the same.
And here I am today.
A Personal Finance Coach who has managed to go from being $80k in debt, having only $2k in cash between my savings and checking, and a total of $10k in my 401k to paying off $40k in debt in two years, paying for five international trips and more than a dozen domestic trips in cash, and having more than $200k saved in my 401k and retirement investments. I’m on track to retire by 46 and be completely debt-free by 33.
What’s The Bare?
The Bare originally started as a place for me to air out all the nuances of adulting. I shared all the stuff you’re not supposed to share on the internet:
- Dating with baggage
- EMDR therapy
- Feeling unlovable
- Spending money
- Financial goals
- Feeling like I don’t belong
- Horrible fuck-ups with no one to blame but myself
- How I’m trying to fix all the broken parts of myself by owning my own shit and dealing with it head on
These days, it’s mostly about money and how to be better at it.
Why Write About the Tough Stuff Like Money?
You’re probably wondering, WHY? Why did I share what might be deemed as the anti-highlight reel? Who would want to talk about stuff that is the kind of stuff that should be buried deep into the dark depths of our soul only to be talked about with ourselves in the middle of the night as we try desperately to fall asleep but can’t help but wonder about the endless black hole of suffering that is this LIFE sometimes?
Ok, a little dramatic, but I think you get my drift.
I wrote about it because I think we don’t talk about these things enough. And by not talking about these things, we isolate ourselves. We think that no one understands us. We wonder why we’re so weird and different and broken.
But you know what?
When we talk about the shit that keeps us up at night, we realize we aren’t alone. Lots and lots of people are up at night worrying about exactly the same things.
Why I Share My Struggles
This is why I write.
I share my struggles and learn from it. I share what real and tough self-care is for me. And I call out my own bullshit, while also going on some side tangent rants about the state of our world while simultaneously being human and guilty of buying into it too sometimes.
I share the tough stuff because I want others struggling to know they aren’t alone in a world of perfect feeds and curated smiles.
Sometimes I write about things that I don’t understand so that I can start to understand why I do things.
And sometimes I write because it helps me to understand myself and the struggles I face.
I’m always learning, and this blog holds me accountable for my own shit and motivates me to keep going especially when sharing my journey helps other people.
Why Don’t I Write About Relationships or Mental Health Anymore?
I don’t write about mental health and relationships anymore for a few reasons.
First– I don’t really struggle with those things in the same way I used to. For a period of my life, it was all I thought about, all I wanted to figure out and all I needed to work on. But as I grew, as therapy started to do its work, and as I learned, the things that were issues for me worked themselves out.
I kneaded out the kinks.
I smoothed out some of the edges.
And I figured out a lot of shit that I no longer feel the need to write about anymore.
Secondly, I fuggin’ love writing about personal finance and helping people money. Like, I’ve never felt more aligned with my true purpose. It gives me all the feels and it makes me so excited. And you know what I think?
When you find that thing– you hold onto it with both hands and you dive right the fuck in.
So I dove in. And I’m truly loving the process of being a personal finance writer and coach.
Am I glad those posts about relationships and mental health and body image are still getting views and helping people?
YES. SO HAPPY. It makes me so happy to know that people are out their learning from my journey. That’s why I put it out there and that’s why I don’t delete the posts even though this version of Clo Bare doesn’t really write about those things anymore.
Did I figure everything out and that’s why I don’t write about these things anymore?
Excuse me– HAHAHAHAHAAHAHAHAHAAHAH.
I’m still figuring out a lot of stuff.
Ultimately, I grew, and my interests shifted to other things. That’s okay. That’s a true representation of life– of being alive. Of growth.
Will I Never Write About Relationships or Mental Health Ever Again?
Life is long my friends. If the mood strikes, you can bet I’ll be writing about whatever toots my horn. But for now? Personal finance is tooting my horn, so if that’s the kind of stuff you want to read? Buckle up.
If that’s not the kind of stuff you want to read and you’d rather read about relationships and the crazy-ass shit I figured out along the way?
Cool. I got a crap ton of posts for you to read in my archives and you can scroll down below to easily access all of it.
Either way? Thanks for being here. I appreciate you. And I hope WHATEVER it is you’re looking for today is exactly what you needed.
On to Some Blog Posts
Now, if that all sounds good to you and you’re thinking “HELL YEAH GIVE ME YOUR VULNERABILITIES AND MONEY STUFF and TRYING-TO-BE-HONEST WITH YOURSELF REALIZATIONS!”… Read on.
- All Budgeting Bare Posts
- I am $67,866 in Debt
- Values-Based Budgeting: The Ultimate Tool for Achieving Your Best Life
- How to Create a Budget
- Emergency Funds: The Ultimate Guide to Saving Now
- One Year of Budgeting Review! Plus Summer Spending Reports
- How to Save More Money & Retire a Millionaire at 50
- No Spend Month Results: Is it Worth It?
- How to Pay Off Your Credit Card Debt: The Ultimate Guide
- How I Live off of 10% of My Income
- Why You Need a Yearly Budget to Achieve Your Money Goals
Personal Finance Resources
- 8 Binge-Worthy Personal Finance Podcasts and Blogs
- 5 (Free!) Resources to Help You Learn How to Manage Your Money
Spending Reports 2020
- January 2020 Spending Report
- February 2020 Spending Report
- March 2020 Spending Report
- April 2020 Spending Report
- May & June 2020 Spending Report
- July 2020 Spending Report
Spending Reports 2019
- January 2019 Spending Report
- February 2019 Spending Report
- March 2019 Spending Report
- April 2019 Spending Report
- May 2019 Spending Report
- June 2019 Spending Report
- July, August, September 2019 Spending Report
- October 2019 Spending Report
- November 2019 Spending Report
- December 2019 Spending Report
Spending Reports 2018
- Destructive Relationship Patterns to Avoid (Part One): Dating Anxiety
- Destructive Relationship Patterns to Avoid (Part Two): Savior Complex
- Destructive Relationship Patterns to Avoid (Part Three): Dating the Wrong Men
- Destructive Relationship Patterns to Avoid (Part Five): Ignoring Relationship Red Flags
- Destructive Relationship Patterns to Avoid (Part Six): Fear of Abandonment
- Destructive Relationship Patterns to Avoid (Part Seven): How to Start Dating Again
- Self-Proclaimed Nice Guys and Other D-Bags to Avoid
- Why I Don’t Date Nice Guys
- Sex & Secrets: I am Part of the Problem
- 6 Foolproof Ways to Overcome Dating Anxiety
- Love Wish List: What Dating Deal Breakers Really Mean
- Trust Issues and Tinder
- 13 Ways the Liars, Gas-lighters and Cheats Show You Who They Are
- Compromising in Relationships: The Parts I Always Lose
- We Broke Up and It’s Okay
- Me, My Eating Disorders, and this Red Dress
- The Truth Behind this Photo
- Fuck Flattering Friday
- How to Stay Body Positive When it Feels Impossible
- My First Therapy Appointment is Tomorrow
- How I Didn’t Get Better
- Loneliness and Other Feelings I Avoid
- 30 Easy and Free Ways to Stop Feeling Overwhelmed
- Why I Get Terrible Sleep: 4 Tactics for Tackling Sleep Hygiene
- What is EMDR? My First EMDR Experience
- Trust, Trauma and the Powers of EMDR
- What Happens When PTSD Comes Back to Haunt You?
- Anxiety Sucks
- Panic Attacks: Self-Care During the Holidays
- 8 Reminders for the Anxiety-Ridden and Overwhelmed
- New Year’s Reflection: What the F*ck Happened to 2019?
- How to Use the Enneagram for Powerful (and Shocking) Self-Discovery
- 21 Daily Reminders & Affirmations that Don’t Suck
- Real Self-Care: How to Be a Better Person in 5 Simple Steps
- 5 Life-Changing Books Every Woman Should Read in 2019
- Extroverted Introvert: Battling Loneliness While Traveling Alone
- What to Do When You’re Afraid of What You Truly Want
- From Unhappy to Rediscovery: How My Life Has Changed in a Year
Where to Find Clo Bare
I’m all over the interwebs and pretty active on Instagram. Feel free to connect with me on the following places! I always respond, and love hearing from my fellow Bares.
Other Places You Can Find Me
Radical Self-Love Collective: How to Stay Body Positive