Skip to main content

The Beginning of my Journey to Financial Peace

When I graduated college back in 2010, degrees in hand, I had stars in my eyes and spunk in my spirit. I was young and carefree, the world was my oyster and I was excited about the future. There was just one problem. Between student loans, credit card debt, and an auto loan, I had accrued about $55,000 of debt. I also had no job prospects, at least none that justified my newly earned music and psychology degrees and/or would be much help with attacking Debt Mountain. I was also an impulsive spender. The fact that I wasn't making a lot of money combined with the fact that I had a lot of debt and a bad habit - let's just say my starry-eyed excitement was fading fast, and I knew I needed to act. It's amazing, the things we can accomplish when we have to. I prayed, researched and brainstormed every possible thing I could do to become debt free. Doing all of that took me on a life-changing journey; so much so that I feel compelled, obligated even, to share my story. I am so excited to relive my amazing journey as I share it with you in the posts to follow!

Comments

Post a Comment

Popular posts from this blog

9 Ways Wal Mart Grocery Pick Up Saves You Money

Hello lovely readers! As the weekend comes to a close, I'm feeling satisfied that I accomplished everything on my to do list and am ready for the busy week ahead. One of the tasks on said list, was to pick up the groceries I ordered from Wal Mart. This was only the second time I have ordered groceries for pick up, and let me tell you, I am never buying groceries any other way ever again, and I have no idea why I didn't do it any sooner! There are so many ways that Wal Mart grocery pickup saves you money, so of course I have to share them! I am The Wanderlusting Penny Pincher after all! 1. It's FREE, need I say more? 2. If you have the tendency to overspend on impulse buys (this used to be a big problem for me)... BOOM. Problem solved. You can't buy what you don't see! 3. It saves so much time, and as we all know, time is money! 4. When you are searching for your products online, you can set it to list the lowest priced items first that are related to your searc...
Post a Comment
Read more

Budget Busters

Are you struggling to make ends meet? Are you having a hard time writing and/or sticking to a monthly budget? Do you feel like you have shaved your budget down to needs only but things still aren't adding up? Let's explore some of the most common, yet overlooked budget busters. 1. Housing.  This is an obvious need in your budget, but what percentage of your monthly take home pay are you spending on housing? Anything over 30% is not a need, that's just extravagant. Keeping it closer to 25% (or lower if possible) is ideal, especially if you're paying off debt. This may not be possible if your income is very low, in which case you may need to sell some things, get a second job, get a roommate to share expenses and/or visit your local food pantry to at least ease the burden of food costs. Anything you can do to spend less and make more money. 2. Car Payments.  A car is also a need, but is your monthly car payment $200? $300? $400? $500? $600+? The average payment is a...
Post a Comment
Read more

Every Day I'm Hustlin'

Happy New Year, friends!! I took a little holiday hiatus from posting, but I'm so excited to be back at it with more tips to help you get your finances under control in 2018! All of my previous posts have focused mostly on saving and cutting back, but for this post I would like to switch gears and talk about creating more income/opportunity. I like to start with saving/cutting back because it's something that we have direct control over and can be done immediately. Also, as I have mentioned before, your habits and mindset need to be in the right place so that you will be able to properly manage and actually realize any additional income.  So notice a little earlier that I said I wanted to talk about creating more income. I don't just mean getting a different job with better pay. If you land that opportunity and it will truly be better for you in every aspect, go for it! We should always be trying to increase our income and decrease our outgo (expenses), as Dave Rams...
Post a Comment
Read more