Welcome to my journey!

 Welcome to my journey, glad you're here.

I hope that my journey can help you on your journey. Whether that is escaping generational poverty like I am working on, saving money on your household expenses, finding new recipes here, or getting your finances under control. Whatever your journey is, I hope that I can be of some help.

My first step in this journey was to sit down and really think of what I want. Did I want to not stress about bills, have spending money, be able to take my kids to town for a nice dinner on the fly, or not panic every time I took my car in for an oil change. I decided that for me it was all of this and then some.

I have never known the joy of paying all of the bills and having money left over at the end of the month. I've also never had the ability to pay my rent early. I am usually paying it on the day that it is due. For me, that's not good enough anymore.

I started a tik tok to document my journey and am now starting this blog so that I can look back and see how far I have come and also see how far I have to go and use that as motivation.

I sat down and made cash envelopes for my monthly bills, my month ahead bills, my sinking funds, and my savings challenges I will be participating in.

My month ahead envelopes are everything that is in my monthly but I am working towards being able to have all monthly bills a month ahead. This is for multiple reasons. If I am not able to work for a week this ensures that all of the bills will be able to be paid. If my utility bill is significantly higher than normal I can dip into that month ahead envelope and pay it in full and work on stuffing that envelope back up.

At the bottom of each blog post will have my current debt owed, how much I have paid off, and will list the projected payoff month and year.

I am using the Snowball method to pay off my debt. They range from $200-$12,322 with my largest being my student loans.

I will also be posting money saving tips as I come across them.

I look forward to being on this journey and ending poverty for myself and my children. I only wish that I had been prepared to do this earlier.

If there is anything I can do to help you on your journey, feel free to comment and we will learn together.


"Nothing happens without focus. Don't try to do everything at once. Take it one step at a time." Dave Ramsey

Total debt $26,339, Total Paid $0.00, Payoff Date July 2033

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