Nice to meet you!

I’m 41. I’m divorced. And a single mother of 2. I live in a small city, but still a city ranked in the top 11% of the world for highest cost of living. I have a couple credit cards. I had student loans. My car wasn’t owned outright.

To say I was poor, doesn’t seem accurate.

On the outside I looked like I was doing ok. I mean, friends were aware that I said no to activities and dinners and things, cause I couldn’t afford it. But I owned my house (albeit with a mortage). I wore nice enough clothes. My kids were each involved in one after school activity. And we just got back from spring break in Mexico! How much better could it be? 

But behind the scenes, I was still paying off student loans. My aforementioned mortgage, still substantial. I had more credit card debt than I cared to admit, even to myself. I still owed money for my car.

I was living paycheck to paycheck, and subsidizing that with my credit cards. It was unsustainable. Not to mention the stress it had been putting on me.

That said, there’s always a way out. The way might be painful and require some learning and adjusting. But I’d pretty much reached my rock bottom for dealing with the financial burden that being in debt had caused me. So this was my map to get out of debt. 

Join me on this financial journey. Follow my step by step guides to being debt free; learn from my wins and losses and achieve your own financial goals.