When I look back on this year, I can’t believe how far I’ve come. As cheesy and cliche as that may sound, it’s truly been a transformative year..and it all started with my relationship with money. Money, Money, and Less Money. In January of 2019, I was broke. And I mean b-r-o-k-e. I was up to my eyeballs in credit-card debt, student loans, and was the lucky owner of a new home mortgage. Not only that, but my spending habits were less than desirable. I didn’t think that I was bad with money, growing up I had always been responsible; I saved like crazy as a kid, I paid for everything I needed in college, and I bought my own first car. Then real-life adulthood struck me, and things got stressful. I stopped cooking and started eating out for “ease”, buying $4 coffee on the reg, and indulged in late-night Amazon stress shopping. Haven’t we all? When my credit cards started sending me alerts that I was almost maxed out, I had an ugly wake up call. Not only that, but I was borrowing money left and right from people, only to keep myself afloat. I knew I had to take a deep look at how I was spending and living and reevaluate everything. One morning, I sat down and combed through it all…three times in a row. I wrote down every cent I made in a month and made a list of every bill and expense I had, including […]
Debt-Free Journey: 1 Year In
