Debt Free Mindset!

I have been going crazy because I fell off my journey of paying off my school loans and credit cards ( YIKES!!! ) Thankfully I am not missing payments or anything but unfortunately I found myself lost along the way. So I decided that I wanted to make goals and achieve them. Like seriously achieve them.. Not just say I will and don't. Currently I am not working and I am a full time student and mother who is on the verge of making something of myself. Something major as I am known for. I make things happen lol as everyone likes to point out. I have been pondering on many ways to fix things and I came up with the conclusion.... STOP THINKING ABOUT IT AND DO IT!!!!

I know, I know we say this all the time and many of us should really practice what we preach but c'mon now it's hard.. *buzzer* wrong. It's not hard, we as people have a tendency to make things more difficult then need be. So when do you start to fix things you may ask, umm how about now.. Now is the time to fix things, now is the time to fully sit here and take life and everything by force. If not now then when?

I came up with soooo many excuses for myself " I need these shoes. I want that purse. I need that 3rd humidifier.." The things I would buy and the people I wasted money on.. Money that I could have saved. Money that I could have invested in the person who was working hard to make it. Money that I no longer have because of my all too willingness to help others before I help myself.

I want to enjoy my life not stress about it and the only way to do that is to be smart about money. I came up with plans to clear my debt within 2.5 years... My credit cards that is.. My school Loans that's a different ball game.. But I will do it. I have taken the steps I needed to take today.


This journey will be a long one but enjoy the ride I take you on and see my decline in debt and my growth in knowledge..