Category: Debt Free Me
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Month End: April Snapshot
On 4/14/2023, my life took a dramatic shift. A lot of the problems that our family has experienced are due to me. I am tired of being the source of the problem, so I am making measurable changes in my life. My issue with money reflects me creating problems in my life, and unfortunately, it’s…
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Month End: March Snapshot
This month felt like one of the longest months for me, and yet in June, our 2nd child will be here. Our son wasn’t a part of our plan, but he’s almost here. I remember last year when my sweet wife was asked by my sister-in-law if I was excited, because I didn’t appear to…
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Month End: February Snapshot
At the end of February, change is inevitable and at times very necessary. I met with my old roommate/friend after work for a few drinks, talked about old times, and talked about business. It was after that night that I made a commitment to change my habits. I feel like I’ve brought more problems into…
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Month End: January Snapshot
At the start of 2023, I felt like this year was going to be weird. This year started with me having a health scare. I felt like my body’s health was worse than it has been in a long time. I felt so bad that it helped me re-evaluate my priorities. Previously, I’ve reasoned that…
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Month End: December Snapshot
At the end of this year, I look back and reflect on what has happened. We remained consistent with paying down on our last remaining installment loan, and we didn’t take on any new debt. I’d like to have this car paid off but continuing to make the required payments at zero percent interest, I…
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Month End: November Snapshot
At the end of November, I look back on the days I used to use online pay day loans to either make it to pay day or for spending. Interestingly enough, the online pay lender I used was featured on the show Dirty Money on Netflix. Starting the process of Christmas shopping, I feel thankful…
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Month End: October Snapshot
For me October is an expensive month. It’s my Mom and Jill’s birthday in this month so typically I plan to spend more. If you have a month that you know you will spend more, it is important to set aside money for it throughout the year. Since July I had given Jill a small…
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Month End: September Snapshot
At the end of September, I am now 42…… I never imagined being married with such a sweet and smart child. I never imagined going through the financial problems that I have been through, nor could I imagine my true-life story. I am still here. I’m thankful for my friendships, relationships, life experiences, and the…
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Month End: August Snapshot
At the end of August, therapy is going well for me. Talking with Jill, we have come into agreement that I am going to slow down on paying down the final installment loan. Taking care of myself and my family is more important than paying off this final debt. It is especially important to remember…
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Month End: July Snapshot
I am going back into therapy. My ego is my own enemy. It is made up of my thoughts and those thoughts are formed by my environment both my parents and the world around me. My automatic responses to situations and default settings are not normal healthy reactions. It is time to go back in…
Pursuit of Excellence 