For Big Change, Start Small

You might not know it by looking at me, but four years ago, my life was very different from the one I live today. I owed $5,000 to my credit card—the result of a lifetime of poor spending habits that spiraled out of control after my mom passed away—$15,000 to a car loan, and $34,000…

New Year, New Blog Post

2015 – This is the year I start paying back my student loans. They have been, sadly, in forbearance accruing interest while I put off paying them. While I know many people with more than I have, it feels like a crippling amount of debt to me. Needless to say, I will be paying them…

It’s Called Consumerism Because It Consumes You

At last, my friends, the resolve to pull myself out of the pit of debt I created has finally come to fruition. But as I take a moment to appreciate this hard-won victory against my credit card and spending habits, I know it is only the beginning of a longer life journey. True, eight months…

2013

As I spend the last day of 2013 reflecting on where I was last year when it began, I realize how much has changed. My thoughts are always about my shortcomings, what I need to—and haven’t—improved. But when I stop to really think about where I am at in my life, I realize I have…