Posts

Here are 10 steps to get you out of debt and on the right track towards your dreams

Step 1
write down the amount you made last year and subtract the what you have today in the bank account. Take a look at that number. You have to know the truth.

Step 2
Print off the last 3 months of your banking transactions.

Step 3
Write down all the income you’ve brought in and add them up.

Step 4
a) hi-light all the restaurants you spent money on.
b) hi-light in a different colour all the food you spent money on. * this is ONLY grocery money *
c) hi-light in a different colour necessities (ie: toilet paper, shampoo, tissues, feminine products)
d) hi-light in a different colour auto payments that come out every month
e) Add up each colour for each month and divide by 3 – this is your average.
Do you spend more than you make?

Step 5
Outstanding debt never makes anyone feel good.
a) Make a list of all the outstanding debt you have.
b) in one column write out the amount owing
c) second column write out the monthly payments
d) third column write down the interest rates

I know this may seem overwhelming but don’t give up. With everything in life those things that need change first need us to change and we need to adjust and that can be uncomfortable.
Life is not suppose to be comfortable.
First thing is to really look at this and see exactly what it is you’re dealing with. And know this, once you look at it, you don’t ever have to be there again. Everything you do is a choice and how you spend you money is just another choice.

Step 6
This is the Plan
Add up all of your outstanding debt. You want to be sure you’re making all your minimum payments and then the extra money you’re working for will go towards the amount that is the smallest.
Then once you have this one paid off, celebrate without spending money. Then the money you are putting towards it will then be going to the next outstanding debt. This is called snowballing your debt.

Contact the companies and tell them your plan and when you will be making your payments. You want to be working with them. You may negotiate for a lower amount depending on how much you owe and for how long it’s been. Sometimes this works but not always. They may want a lump sum so be prepared.
Call all the auto payments including your credit card and see about lowering your interest rate.

Step 7
Cut the FAT (Frivolous Actions Taken) This is where we need to trim up. Cancel anything you do not really need. Television, cell phones, cars etc. Anything that you do not really need. Get rid of it.

Step 8
Find More Money
This is where you are going find more money. Now if you’ve cut as much as possible and you’re still short then you have to increase your income.
Can you pick up extra shifts at work? Can you do a part time job on the side? Is there papers that need to be delivered in your area.
Here’s where the money is:
Take 15 minutes to do this.
Make a list of all the things you’re good at.
All the things you love to do.
Anything you have talent in.
I mean Everything. This includes walking, if you can.
Look at that list, give yourself a pat on the back. There’s more than you thought.

Step 9
Let’s find even more money.
Here’s some ideas:
Sell what you do not need or use. Clothing, electronics, furniture. You can sell online or in person.
Have a yard sale and sell the belongings you have that you don’t use.
Downsize your home into something that fits your current income.
Get rid of the big car, you can find one without payments. Sell it.
When shopping check out your local thrift store only if there’s something you need.
When grocery shopping try to do so in bulk. Price match and use coupons when available.

Step 10
You have a clear vision about what’s real when it comes to your money.
Now I am going to add one more here.
You also need an Emergency Fund!
I am serious. I’m sure your eyes just got really big and doubt crept back in. But hear me out. This is your own personal cushion and the just in case. This comes before you pay off your debts. You make your regular minimum payments but you put the extra you make into an Emergency Fund. At least until it gets to $1000.00. After you pay off your debt then your Emergency Fund should be 6 months worth of your expenses. Now that number’s a lot bigger.
This is ONLY for EMERGENCIES . Think about it, if your car needs repair and you need your car to get to work, what do you do?
You need to have the Fund and get it quickly.
You know the amounts, everything is written down and all payments are visible and set up to paid on time and for the correct amounts. You have additional sources of revenue coming and you have let go of things that were holding you back.








Why do we keep rushing time?

I know it may seem like an odd question but really most people complain the most about other than the weather probably. And these are clearly two things we have zero control over. Why do we keep putting this type of pressure onto ourselves?

Most people can’t even sleep Sunday nights due to the fact that they have to get up the next morning and go to work. I was one of these people myself. I would toss and turn all night. Stay up late because of something I believed I wanted to watch on television but honestly I had probably seen the show more than once already. I was trying to some how put in time. Then monday would roll along and my dreaded work week would begin.

Read more

The title on this one is one that I hope to be true by the time I am done writing this.

I really don’t fucking feel very fabulous right now. In fact I am border line feeling like shit. Other than I just I put on a jacket that use to be too tight to wear and it fits me pretty good. I put on the jacket to go out and get something to eat to help soothe my feelings. Cause my feelings have got me a little down.

I slept good last night so according to most advice I’ve received over the years I should be in a better mood because every time I was in a bad mood, they would tell me to go sleep it off and you’ll feel better. Yes, generally that great wisdom would come from a man in my life that was completely disconnected from their own feelings. Them going to sleep work for them because when they woke up they would of completely forgot about the problem all together.

However I am not a man. No matter how hard I’ve tried to be one.

You see I had to be one or I thought I had to be one to seen by my father because his love was one I craved from the most. I saw him give it away to others but never to me. I saw him give to people who needed help, he has such a big heart therefore I became someone who also needed help. But that wasn’t enough either because according to him I should be able to figure it out on my own. What a contradiction. In addition to that one, I worked daily beside men on a farm and in some cases outworked them. I remember being overlooked for everything. I had to put the work in but never seemed to get the reward. My reward my life, a safe house, clothes to wear, and food to eat. The same reward as the livestock on the farm really.

There was such a double standard for women. There I was working along side these grown men, who actually paid attention to me (more of that later) the same men where I would have to feed later that day. I had to make sure they got the food before I did. I knew it wasn’t fair but I was merely a child. I had no voice and when I tried to use it, I would always be overpowered but someone stronger than me. Here I was a girl working hard but I could not smell bad. I could not burp, and not fart. I had to be quick in the bathroom so the men could go.

All this fucking time I have felt I had to be strong. I wanted to have power and I have constantly tried to convince others of that. I have created multiple businesses attempting to gain some sort of power but all of it is coming from an external source.

Getting an apology from my family on how I was raised will not do anything and I don’t feel that they should. We can only ever do what we can with what we know at the time.

I have been this desperate child who keeps getting older seeking for someone to love me enough so  I can finally stop being sad. 

Feeling really emotional

Let’s see…