Coffee and No Debt: A Love Story
Get ready. I am about to overshare a little about my relationship…with money. So grab a cup of coffee and maybe even a cookie or two as I get a teensy bit intimate with you about money, how we feel about each other, the rocky start our relationship once had, and the exploration of no debt. Ready? Coffee in hand…let’s sit and chat.
Think of what your life would look like if you didn’t owe anybody anything. Nothing. No debt. Not a payment in the world. What would you be capable of? How would your stress level be? I bet you would get a better night sleep. Maybe even be in better physical shape or not so emotionally cranky.
So, I am kind of a slow learner. It took me a while to get good at this whole budgeting thing. I have always been frugal and have become a planner since having children almost 20 years ago. It has been my job to run the house since we decided it was the best place for us after my oldest was diagnosed with Special Needs.
But through those years, I have perfected my craft. And specifically in the last two years, I have focused in on the things that make me the happiest. Organizing, planning, and finances. I love this stuff and I get super excited when I get to talk about it. There is always another way to make my system better. When it is time to pay the bills, I get a little excited. Not because I like giving money to electric companies but because I am in control of where it is going, how it gets there, and how fast. And then when all of the necessities are paid for, then I get to decide what to do with what is left – which is the super fun part.
Now, let me tell you. I have done stupid. I have made mistakes and my mistakes have made mistakes. And I know its so cheesy to say how mistakes give you the learning tools to do better. But it is true, right? I mean come on! Everyone knows that. So you fail. Does that mean you don’t try again? I want to share with you everything that I have learned through the years by showing you all my strategies; all my secrets.
Let Me Help You Become Debt Free
I am qualified BECAUSE I have done stupid. Because I have learned from my mistakes. Sometimes it took me doing it over and over until I learned from it. Because I eventually learned from my stupid and not only did I find my way through it, I have come out the other side. And the view from the other side looks good!
I once heard someone talk about a baby learning to walk. When the baby attempts to get up and walk but falls to the floor, do the parents say…”Dah! You just weren’t cut out for this whole walking thing. Nice try but you should just give up and stay seated!” Of course not! They offer encouragement and atta girl’s and tell them to keep trying. Eventually, those babies get it. It may take a lot of failed attempts and some tears and bumps, but those babies walk. And then they run and they dance. Why can’t we apply that to other things in our lives? Exercise? Debt? Business? Life?
I know how to pay off debt, to save money at the grocery store, to live a frugal life, and to be a better human. The passion is there to teach you about this and the drive, ambition and SO MUCH PASSION to make your life a little bit better.
Steps to Debt Free
There are the steps that need to be taken to reach a debt-free life. In this series, I am going to go over these steps for you and introduce you to, in detail, what it takes to get there. Implement one, two, or all. Each will get you closer to the goal.
- Track your spending
- Pull out all bills – ALL!!!
- List all debts
- Create a list from top priority to not so important
- Create a budget
- Implement cash system
- Focus on one debt at a time
- Discuss sinking funds, how organization plays a roll in being debt free, and doing it…over and over…
We Can Do Hard Things
I want to help you with your money and I want to see you succeed with your personal finances. You are able to do whatever you want in your life. I believe I can help you achieve those goals!!!
Because I have a passion for people. I have a teacher’s heart. I have a LOT of practice! And I want to help you get rid of what is holding you back from being better…A better you, a better parent, a better spouse, and a better human. Equally important, a better steward of your money. With no debt.
In the coming months, I want to offer tools that will help guide you to a better financial place. Even if it is only in the tiniest of ways, it will still be one step closer to where you want to be.
Can you relate to my relationship with money? Are you a free spirit or a numbers nerd? Are you a free spirit that turned in to a nerd? We can learn from what is in the rearview mirror and chose what road we want to follow. Let me help you make better choices with your money. Let me help you live with no debt.
This is just the beginning!
I am Going to walk you through each one of these steps in the coming weeks in a series called No Debt; Exploration of a Debt Free Life. By the time I am done, you will have what you need to get the ball rolling and (hopefully) not feel as intimidated as you once were. You can do this. Step by step!
Don’t forget to subscribe if you haven’t already to keep up with all the great things that are coming including a sneak peek of the new ebook being released in May 2018.