Breaking Through Shame

Possibly the worst things about being a brokeaholic is the shame of it all. I was ashamed because I knew what to do and had all the skills and resources to pull myself out of the same old hole – and still didn’t do it. I was stuck and frustratingly blind to what kept me there.

I was ashamed of being broke and resistant to asking for help. I thought I was able to hide my state and my stress, but friends saw through it. But since I was clearly so uncomfortable with the whole topic, they didn’t know how to bring it up and didn’t feel that they could. So my friends just sat by helplessly as I struggled. I would only turn to them when I was absolutely desperate, and in those moments I felt like an idiot, full of shame and regret, and totally incapable of being the person I wanted to be. They would hold me as gently as possible and offer to help. But since I was in such a stuck place I had a hard time receiving it. I know that I made it hard for them to give because I couldn’t receive (and this is a different kind of issue that I will explore in another post).

Right now I want to share with you a conversation that took my by surprise and shook me out of the deepest layer of shame.

Billy and I were in a class together and just getting to be friends. We decided to go out to dinner and he picked out a place. I hadn’t heard of it but said, “I love trying new places! Sure!”

When the day came, I looked it up online to get the address and saw the website. It was swank. My heart sunk. I looked at the menu and realized that there was no way I could afford this dinner. I could feel my face flush and my stomach tighten. Now (thanks to Brene Brown) I can describe what was happening: I was in a shame spiral. At the time all I knew was: PANIC!

Dinner was only a couple hours away. I had to do something. There was no credit card to drop this onto and I lived only on what I had in my bank account, which wasn’t much.  I could see no options. I had to call Billy and tell him what was going on.

As I dialed, my heart raced and my stomach got even tenser. Billy answered, “Hey sweetie! What’s up?” I stammered out that I had looked at the website and and and… I paused. He asked what was going on. I tried to figure out the least embarrassing way to tell him but everything felt awful. I blurted, “This place isn’t in my budget. I can’t afford that.” He immediately said it was no problem, that he would cover dinner, that he just liked that place and wanted to share it with me.

This is the point when most conversations stop, when an issue is raised and a solution is found. But the class that Billy and I were taking was about communication and learning how to understand another person’s world. He could sense that something was still wrong, that there was a deeper cut to this for me. He said, “What did you think I was going to say?”

I told him that I was deeply embarrassed that I couldn’t afford it and scared to reveal that to him. I thought he would think less of me for not having my financial world together, that I felt unqualified to be an adult, no matter how many other things I did well and have handled. I said it made me feel like a total f**k up and was sure he would judge me harshly once he knew.

In the gentlest and most loving of voices, Billy asked me, “Do you want to know what I actually thought?” I felt tears rise and I choked out a yes.

“I was so impressed that you’d call and tell me that. I know so many people who don’t have money but try to hide it and act like they do. They end up overspending and stressed out and it makes me crazy. The fact that you told me this wasn’t in your budget let me know that you’re trying to take care of your finances. I’m so happy that you told me. And it’s not a big deal to me. Actually, it makes me proud of you.”

As he spoke the tears turned into a full-bore cry. I sat in my car on the side of the road and let his words sink in. I could feel that I really was trying to tackle this problem of mine. Even if I wasn’t out of my hole, I was at least trying – possibly for the first time.

Looking through his eyes, I saw myself in a different way. I wasn’t pathetic and incompetent. I was struggling and in that struggle I saw a kind of strength. Without strength, there’s no struggle; there’s only giving up.

I also saw that I was going to have to have more of these painful conversations, that it was necessary to reveal what I was actually experiencing in order to get out of the grip of my money shame. I didn’t look forward to that, but I made a resolution not to run away from it any more because now I could see that some part of me was strong enough to confront this.

Before that conversation, I was unable to recognize the shame that I was living with. Without confronting that shame, I would never have been able to see the fear and stories that polluted my financial mindset. This was the first necessary step to quitting being a brokeaholic.

My hope is that by sharing my story someone else won’t feel so alone and they’ll be able to get out from under the grip of money shame. It makes us feel like less than, filled with fear people will find out and then turn away from us. But if we can talk about it, we can get through this and make it end.

I give thanks to Billy – and to myself – for sticking it out through that dark place. There’s light on the other side of that rock. I know, I’ve seen it.


  1. Wow, Cianna. What a true and brave posting. And helpful. We all have issues that push our “shame” button, and by speaking out about yours, it invites all of us to join you in stepping into ourselves with honesty and courage. So, thank you!
    I don’t know if you’ve heard about this book, or read it, but it deals with Money and Women and Shame very personally : Money, A Memoir by Liz Perle. I recommend it. You can probably find it at the library ;-).

    • Thank you, Meryl! That’s exactly why I’m putting this out there. It feels weird, and also necessary, to do it, but I really want to help others who are struggling.

      Thanks for the book recommendation, too. I haven’t heard about that one and will go check it out. I also read Suze Orman’s book, “Women & Money” which was useful. The intro to that book in particular was quite powerful for me to read.

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