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This is my debt free story. I hold nothing back.
If you are in debt, you are not alone. There are thousands of people across the country in your same shoes, but that is not who I am referring to. I am talking about myself. Me. I’ve been there. I know what you feel.
Part of any change to your life is to get inspiration and help from others. The truth is that I made a lot of mistakes over the years. These have molded me into the woman I am today. These are mistakes I never want to see others make.
I am sharing my own story with you below. My hope is that you can learn from what I’ve done. I would love to be the reason you are inspired to change your own financial situation. It will mean a lot of hard work, but it will be worth it. I promise you.
WHERE I BEGAN
Back in 2001, I was living my life as a twenty-something single woman. I was in a relationship with someone who I thought was “the one.” This was the time when I was simply enjoying my life. I bought what I wanted . A budget?? Pfffttt….that did not even exist.
I continually robbed Peter to pay Paul and lived paycheck to paycheck. While I was making a decent wage, I still struggled. It was because I did not manage my own finances. My spending was out of control.
Credit cards were used to pay for nearly everything. I used them to pay for my gas, my groceries and my clothes. Heck – there were even months when I used them to pay other credit card bills!
REALITY CHECK
In December 2001, my relationship came to a screeching halt. I was now responsible for myself. There was no one else to help me cover my expenses.
I put a pencil to the paper and crunched the numbers, and built my budget. In that moment, I realized just how financially unstable I was. I was shocked (and very sad) at what I had done to myself. I could not believe I had accumulated such a large amount of debt. And, when I looked around , I had absolutely nothing to show for it.
It was…
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