To borrow the title of Jill Scott's first album.
I noticed a lot of you are to my blog and coming from Ms. Leigh Ann's blog (who was featured in the NY Times).
In short, I am a 29-year-old woman who got herself into a helluva lot of credit card debt over four years. I went from having $11,000 in the bank and no debt, to a few hundred in the bank and $16,000 in cc debt, a car loan and student loans.
I started the blog because my life was starting to roll forward quickly and debt was slowing me down.
So here I am. Over the last year, I've gotten my debt down to $10,989. Though it could be lower.
My motto is "Each one, teach one."
It reflects my desire to get out of my debt mess and help anyone else who wants to do the same. It's also about my desire to provide a better beginning for my own children. It's imperative that we, especially African Americans like me, break the cycle of poor finances. It makes no sense that every generation starts from scratch.
When you read my blog, you'll see that I don't know as
much about money as a lot of wildly successful pf bloggers out there. My blog is here for me to hold myself accountable to
people who may not know me, but they care about my financial situation.
I also wanted to reach people like me who needed help, but had no idea what to do or where to start. I try to have posts that explain what I'm doing rather than telling you what to do. I also may take a real basic approach to finances like starting budgets, tracking spending and figuring out your jobs 401k. I'm all about helping to beginners. I also seek advice from people who know more than I do.
I hope you're psyched to follow my journey out of debt and into prosperity!
Want the quick overview of how I got here, what I've learned and how I think, check these out: