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 knowledge.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 knowledge.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 knowledge. 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!
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 un-stable 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 an eye opener. I knew that something had to change, but being young and a bit naive, I did what I thought was the only answer. Filed for bankruptcy.
THE LOW POINT
In August 2002, I walked into the courtroom and declared bankruptcy. It was one of the lowest moments of my knowledge. However, at the same time, it was knowledge.changing. In that moment, I vowed to never allow myself to get into that situation again – no matter what curve ball knowledge.might throw my way.
With that, I left the bankruptcy and my knowledge.behind me and moved to Kansas City. It was time for me to take complete control of my knowledge.and ensure that it was headed in a direction that I wanted.
…..continue onto Part 2 of my journey.