Category: Financial Freedom

There’s this moment a lot of us have when we decide to get serious about our debt: we want it gone yesterday. The shame, the stress, the interest—it’s like a weight we can’t wait to throw off. I remember sitting in my bedroom with a notebook, listing every single debt I had. Credit cards. A…

The first time I started seeing real progress with my debt payoff, I was flying high. I had paid off one credit card completely. I was making extra payments on the next. My emergency savings—tiny as it was—had hit $600, and I felt like I was finally, finally in control. I wasn’t rich, but I…

When I decided to get serious about paying off my debt, I didn’t fully anticipate how much it would change my social life. In my head, it was just about budgeting, making extra payments, and saying no to impulse shopping. What I didn’t realize was that saying “no” would eventually mean turning down birthday dinners,…

There’s this myth that once you commit to paying off your debt, it’s all momentum and progress from there. That once you have a plan in place and start seeing those balances drop, everything just clicks into place. I wish that were true. But real life doesn’t work like that, especially when you’re juggling bills,…

It’s funny how you can live your life for years without truly understanding the weight of something. For me, that something was debt. I always thought I was managing it—just paying the minimum, staying afloat, making sure the bills were covered. But the reality of how deep I was in debt didn’t hit me until…