Money, Relationships

The defining event that made paying off my debt so much more important

I was about halfway through paying off my debt when this event reminded me why taking care of my finances was so important.

  I have put a lot of thought into this post. I have actually been trying to write this post for one year now. It has been sitting in my drafts waiting for me. For one year, I couldn’t find the words to describe how important paying off my debt had become to me. How important it became to my family and my future. I don’t want to step on any family members toes with this blog post or shed the wrong light on my journey, but this has been on my mind for one year. I have written and rewritten this post so many times trying to word everything just right, but I have found that there are no right words for it. One year ago today, my grandpa lost his battle with Leukemia. March 23rd, 2018. He had been fighting it for over two years and was stubborn throughout the whole journey. He had so many ups and downs along the journey, as comes with cancer. My grandpa fought as hard as he could. He had beat so many odds since his diagnosis. But cancer ultimately just sucks.   My grandpa chose to love me as one of his own grandchildren. When I was really young, my dad and his family adopted me. My dad and his family have taken my mom and me in as one of them and I am forever blessed. I was young enough that I never really knew a difference. But family is more about who is there during the hard times than any blood. Growing up, my grandma and grandpa lived down the block from us. I remember them being a huge part of my childhood. Occasionally, I would go there after school to hang out with them until my parents got off work. My grandpa was the custodian at a local church and my grandma was the secretary. Sometimes, I would get to go clean the church and do office work with them.  I remember my grandma always fixing a snack for my grandpa and I while we hung out at…

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Millennial Stuff, Money, Relationships

My Single, Millennial Debt Free Journey: The Pro’s and Con’s of Being Young and Single while Becoming Debt Free

I am in my early 20’s, single with no kids and I have been working on my Debt Free Journey since January 1st, 2017. A lot of people have said, “Oh, well with no kids to feed, it would be easy.” This journey isn’t easy whether you are single, married, divorced. Becoming debt free is a hard journey no matter what. There are constant, daily struggles of a debt free journey. If you haven’t read my whole story, I started this journey just a few weeks after I got a loan for my Jeep right before my 22nd birthday.. I realized how deep in debt I really was because my student loans were all coming due. Then, I started to freak out. I had never ever had a vehicle loan because my I have always driven $1,500 or less vehicles. My Jeep is the most expensive vehicle I have owned at $3,000. Mentally, I didn’t know what I was supposed to do because I was 22 and already overwhelmed by my debt. Not really how I imagined spending my early 20’s, but I am so thankful that I have spent the last year getting rid of as much debt as I could in a year. My student loan companies had started calling to talk about payment plans and I started getting bills in the mail for them. At 22, I got my first credit card to “help build my credit” after I didn’t get approved for my Jeep loan. (Thanks Dad for cosigning my Jeep, but also unknowingly encouraging the start of this journey.) Having no one else to worry about when it comes to my budget has been great. There are HUGE perks to being single on this journey, but I have also found some things harder because I am single. Here are just a few of the pro’s of my young and single debt free journey: One of the best things about being single is no “budget committee meetings.” Dave Ramsey recommends couples to have “budget committee meetings” for your personal budget as if you were doing it…

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