Dream: To buy a house for the girls and I. To repair the stupidity of my younger years.
I've had a lot of time to sit and think about what I want in life. I don't want to struggle or live paycheck to paycheck just to make it.
As a single mom, my income is limited. However, that shouldn't be an excuse not to do better with my finances. In fact, that should be my motivation to step up and get things right. The idea of providing a yard for the girls to run around in lights a fire under me more than you'll ever know. I can sit and write about what I would like to do or I can get off my ass and take the steps. Now is definitely better than ever.
The first thing I did was review my credit report. I've tried to avoid it as much as I can but it's time that I sit down and assess my priorities. The exciting thing is, my debt is manageable, $3500 in fact. It's a scary number BUT I can decrease that number sooner than I thought.
Next, I laid out my budget. Where is my money going? Do I need this or is it just a want? What can I cut back on? If my expenses exceed my income then I'm doing something wrong. I learned it doesn't take a financial wiz to know enough is enough. Saving is definitely important no matter how hard it is.
Finally, I am working with Greenpath, a financial wellness company referred by my credit union. After speaking with the representative, I found this as the best case scenario for what I want to do. I talked, they listened and we worked together at finding the path that is going push me to financial success.
If I'm being honest with you, I'd tell you that I've tried to pay off debt and recognize my spending limits but every time I tried, there was always some excuse. But now, there aren't any. If I want to reach my goals, my dreams, I have to stop talking and take action. It's about peace of mind.
As my financial journey takes flight, I also look to invest maybe even start a business. Baby steps though. I have to walk before I run.