Have you ever felt so lost in a mountain of debt that you don’t know where to start? Yep, me, too. That thought is beyond relatable to me.
So, why am I here?
Ultimately, I want to feel relatable. I hear about so many journeys, but I am being completely honest—I am in this situation because of mistakes I’ve made on my own. I haven’t found a community where I can openly say, “I made these mistakes out of poor choices, and I need help.” I’m not looking for sympathy; I’m looking for connection with others who can relate to me. So, maybe I’m just like you—navigating debt, financial setbacks, and trying to figure it all out. Maybe I’m not exactly like you, but we’re now in the same boat, tackling similar challenges.
My goal is to create a space where we can relate, grow, and learn together. I want to build a community, a safe space, where we can talk openly about our struggles and triumphs whether they are the same or not. I don’t want anyone to be ashamed of their financial situation. Entrust me with your stories, just as I’m trusting you with mine. Let’s be partners in this journey, holding each other accountable and lifting each other up along the way.
Transparency is my promise to you. This journey will have ups and downs. Some months will show progress, while others might not. That’s real life, and I’m not here to sugarcoat it. What I am here to do is share my journey with you as honestly as I can. My ultimate goal? To be debt-free in two years. It’s a big goal, and it won’t be easy. But I’m manifesting it, working for it, and inviting you to join me in making it happen.
How did I get here?
At the end of the day, I have nobody to blame but myself. Growing up, I always heard, “Save, save, save,” but I didn’t listen or really know much about it. At 31, I have minimal savings and a mountain of credit card debt. It took me far too long to change my mindset, but here I am—finally ready to take control.
My financial habits spiraled out of control when I began chasing a lifestyle I saw on social media. Traveling, spending, and living well beyond my means became my norm. It was fun while it lasted, but eventually, it all came crashing down on me—hard.
By the time I turned 27, I realized how bad things had gotten. I read Psychology of Money and really started to understand. This was my mental turning turning point. As you can see in my first financial update, it wasn’t until recently that I actually starting acting on it.
Over the past four years, I’ve made significant changes, which I’ll be sharing with you. But let’s be real—my debt is still a mountain. The difference now is that I’m climbing it, step by step. And this blog? It’s going to be my accountability partner and maybe yours too.
I’m fortunate to have a good job. In fact, I’m in my second career and earning more than I ever have before. But here’s the irony: I also have more debt than I’ve ever had. It’s a humbling reality, but one I’m ready to change.
Where am I going?
I am going to be debt-free in two years. Ok, I know that might sound a little ambitious—especially as we dive into the details of my financial situation—but I’m serious. By 2027, I will have paid off every last penny. It won’t happen overnight, but I’m ready to hustle, side-gig, and budget my way there. This blog will be where I document it all: the struggles, the successes, and everything in between.
Check out my posts about mindset change and budgeting to get on the same page as me!
I’m not just focused on paying off debt; I’m also focused on building wealth and a growth mindset. This journey isn’t just about money—it’s about transformation. I’m learning, growing, and sharing it all right here with you. So, let’s do this together. Let’s change our lives, one step at a time.