Currently, I am two classes away from graduating with my Associates in Business Administration from a community college here in the heart of Texas.
And it’s been a long time coming.
In my first year of college, I became pregnant with my first child with my husband, who was my boyfriend at the time. In my second year and at the youthful age 19, I gave birth to the first person I ever experienced love at first sight with. Motherhood is the best thing that has ever happened to me, but I have been stuck a sophomore in college ever since that day, which was 8 years ago.
I officially quit school 2 times, switched my major 3 times, have enrolled in 3 different schools, and have retaken 7 classes, but here I am today 1 months out from finally moving on to my junior year!
As hard as it was each year feeling like a failure, that lag time turned out to be a blessing in disguises.
I have no student loan debt.
My very slow and steady pace has allowed me to pay for most every class and book out of pocket.
I now know Victoria’s Secret, at least her secret to making money, anyways.
A few years ago at the adorable age of 25, I decided to apply for a Victoria’s Secret card. To my surprise, I was not only approved, but also approved for $500. I made my first purchase with my new card that day. It felt good! Why? Because it was Victoria’s Secret, HELLO! I was officially a woman that day, no more bra and panty shopping at Wal-Mart or the department stores. I had step up my game that day, and I was next level.
Soon after, I made the first payment on my $50 purchase of just $20. This was too easy I thought. I can pay $20 a month.
I also received coupons in the mail right away. They were great coupons, too! And at the time I was a semi-extreme couponer, so I jumped all over these coupons.
I turned into this VS shopping addict. Next thing I know, I’m at $400 on my card, but I was upgraded from an Angel Card to and Angel VIP card. With my upgrade, I also got a credit limit increase to $1000, now $400 was no big deal. I kept making my minimum payments, I kept get great coupons, and I kept shopping!
If money is getting the best of you right now, then maybe it is time to get on this little thing called a budget.
After much thought and consideration, I've decided to start blogging about Finances and just life in general...but mostly finances. As an Accounting major, who plans on making a career in the finance world, I think this maybe a great start to deepening my understanding of my chosen field.
Why not chose a degree in finance instead of accounting? I was first drawn to accounting because I wanted to learn how to run the financial side of a business. I also really like math, too. Even though accounting only requires very basic math skills, I enjoy reading numbers and understanding them.
I am also highly interested in finances as well! I think I have broadened my financial learning since before I decided to major in accounting. The reality of it is that money is an important tool, everyone has to have some financial insight if they want to do all right for themselves in this life. For a few years now, I have been reading book after book trying to figure my own personal finances. At this point, I wouldn't call myself a guru, but have picked up a thing or two that has helped improve my family’s financial situation.
This blog is to help those everyday people like me learn how money management can not only be simple, but help improve their lives. As of this year, 78% of Americans live paycheck to paycheck, which has been rising one half percent every year for the past 4 years. More and more people are finding themselves struggling to live comfortably every year no matter what financial category you fall in.
I don't believe all hope is lost, but it is time for an extreme overhaul. And I believe education is the start.
Like I said before, I am not a financial guru and there are still many paths untraveled in the money game for me. Thus, I would like to be transparent with you in my journey as I master the game.
I would also like to follow any of you who may be going through your own journey so that we can both support and learn from one another. I have set up a private Facebook community for anyone who would like to join me there! And of course, comments and messages are always welcome. If nothing else, subscribe so you never miss a post!
I believe that goal setting is important if you desire growth in your life. As the saying goes, “If you’re not growing, you’re dying.” To kick this blog off, I want to share some of my personal goals for this month that I plan on working towards. However, since this is my first month, I am not going to make any defined goals. My goals this month will be somewhat vague and short, but real goals I have for myself. By the way, not all of my goals will seem like they relate to finances, which is mostly the theme of this blog, except they actually do in some way shape or form. Truth is, life is a great big balancing act that needs to be well rounded.
Besides that, this is my blog…I do what I want :)
Here they are:
Now let me break down my goal for ya.
I thank you so much for taking your time to read my first post, and I hope come back to learn and grow with me.
Don’t forget I want to follow along with of you!
What are your goals for this month?