Persistence over perfection.
Now, those who know me well will laugh at this because I was such a perfectionist growing up.
Morgan broke me of that when she started walking…
How did I get out of tens of thousands of debt as a young, single mom?
Well, a big part was sending my now-ex-husband back to his mother.
Another big part was the support of my family.
And the third part was persistence.
I listened when my mother and grandmother told me how they used envelopes for each basic budgetary expense. I put a pre-determined amount of cash in each envelope every payday and did not spend more than that.
I used the snowball method to pay off my credit cards (sorry, baby steppers, Dave did not create this- it has been around forever). I remember the thrill of looking at my previous months’ pages in the notebook I kept and seeing how far I had come. Not to mention how good it felt to get down to that $0 balance!
Within a 1.5 years I had paid down enough debt and raised my credit score to a point where I qualified for a small mortgage. I purchased my first home right after Morgan’s 4th birthday. I was 25.
Then I went to college, relaxed, and ended up back in debt.
A good job fixed that problem, but because I adapted my lifestyle to fit the new income, I ended up back in the same place.
Back to the envelopes…
Do you see a pattern?
There are actually two.
One is that persistence- those little steps we take each day- make a huge difference.
The second is that unless you change your mindset it does not matter how much you earn, you will always be broke.
Just at a higher income bracket.
Do either of these sound like you?
I can help.
Whether you want personalized, ongoing support, accountability, a little guidance, or DIY, I have a solution that can help you become financially successful.
It is possible.
You can do it.
Let me help you cut the learning curve.