Skip to main content

Steps to Being Debt Free...!!!

Hey Y'all,

For a while now I have been trying to get my life back on track financially. I've been doing just that but it hasn't been easy in any means.  I'm also not any closer to calling myself debt free. But I have learned a few things since I made so mistakes so long ago. I'm gonna throw some tips on here to hopefully help others not make my mistakes.

1. Pay on Your Debt - So the first thing that always helps pay off debt is to pay it off as soon as you can. Pay it off the best you can, as soon as you can. I usually make payments as I spend. I think you should never spend more than you can afford to pay back right away. It's the best way you can assure that you don't go into debt.

2. Stop Using Credit Cards - I know, I know. This contradicts what it says above. If you can, cut up your credit cards, close your accounts, and start to pay them off. It's much better for you to close your accounts than to have someone else close them for you. 

3. Use Cash - That's right people. Cold hard cash makes spending it a lot easier because your less likely to spend over your means. It's also harder to spend that cash as well. 

4. Stop Paying with Checks - Trust me, checks are very dangerous if you don't pay attention to it your accounts and how much you are spending. Those checks are way too easy to write and overspend with. I would know. I have done my share of learning my lesson this way. 

Debt is hard to pay off. It's hard to fix and get your life back. Unfortunately you need good credit in order to do anything in life. I've learn that life doesn't teach you how to be good with money. Well unless you have people to teach you the importance of money and how to save money. But I never had that. I wish I had but I didn't.




Comments

Popular posts from this blog

Expensive Things I'd Love to Own...!!!

Hey Y'all.

Lately I have been feeling the need to take the time to really think about what I want from life. As most of you know by now, I became a mother in January. My journey of motherhood has been a wonderful one so far. Ever since I have become a mother, I have felt this need to upgrade my life. I have felt this need to upgrade my style of clothing. I thought I was going for the whole bohemian style look that I really do love. But I realized something from one to many of my shopping trips. I've found that as much as I love the the bohemian style. I tend to lean towards clothes that are classy and elegant that I can pair with my bohemian style. I've decided that though that I wish to continue with this style choice which is called bohemian chic or bohemian classy. I want to look into buying some name brand items to add to my closet that will last me a lot longer than their more affordable counterparts.

I also need to start working out so I can look start to feel good a…

Restarting Life...!

Hey Y'all, 
So I write to you all with a heavy head. My life is about to change. I don't know where I plan to go in life after it happens. I want to pursue something new. I have a few ideas of where to go next. I have enough of them. I guess I am looking for a way for my life to mean something. I have an amazing boyfriend. I have a amazing little girl. But I crave something more. I crave something else in my life. I'll Let you all know what options I have. Which ones I plan to explore. 
Well that is all.

Thinking About Startng a New Blog...!!!

Hey Y'all,

So I am thinking of starting a new blog. I want to do something new. I also want to own my domain as well. I also am interested in earning money from blogging. I want to do this for my daughter. I want to work when I want to work and earn money when I want to earn money.

I'm not really sure what type of blog I want to create. I am thinking possibly a lifestyle blog were I would talk everyday life, parenting, diy projects, new games, book reviews, movies I've watched. If anyone has an input on going this route, please leave a comment below.