I'm broke. Broke with a capital B. I literally live pay check to pay check. I waste money on things like cigarettes and eating out way too often. I have debts from 6 years ago that are dragging me down.
I'm not old. I'm 24 years old. I want to own a house by the time I am 30. I want to have a retirement fund with a monthly interest income by the time I am 55. I want all these things, but I can't find the motivation or drive to stop my bad spending habits and get my butt in gear.
I need a plan! I've pinterested, and google searched, and called out for an answer from the sky. I thought there was no way I would ever be able to accomplish these things! But then I realized something important; there are hundreds of answers, hundreds of blogs, thousands of tips from financial advisors and professional homemakers or investors.
I am none of those things! I am just a mom of three, I have a part time job as a minimum wage slave and I have a working husband who is sometimes away from home. I am starting from ground zero! There is no progress in my journey so far, I am right here at the beginning with an overdrawn bank account and past due rent. I need to make a change, I need to be accountable. I need to start today!
So here is my plan. I am not going to sit here and complain that I can't get out of the hole I dug for myself. This time next week I will be a step further in my plan. I will change, I will achieve my goals.
Next Week: A budget for Debt repayment and a plan to stick to it. (Hmm... Might even throw in a free spreadsheet for you!)
