Month End: March Snapshot

At month end, I’m so thankful for what God has done. Honestly, it’s nothing that I could do on my own, and I haven’t been able to do what’s happening now in all my years of fighting debt. Including what you see in the snapshot, a term loan, and a credit card balance have been paid to zero. I had to sell an asset to pay off the term loan, but the peace of mind is worth it. Also, we received back our Alabama tax refund, and I’ve been able to increase my savings at an amazing rate. All these miraculous changes are because of my willingness to be open and honest with the one I love the most. It’s freed up something that I was meant to have for a long time. This situation applies to my life, and your situation is different than mine. But I encourage you to not do life alone, and if you need help seek help. Nonetheless have a vision, and a plan to be debt free. Build a space in your life for what it will look like. You weren’t born into this life with credit card and or student loan debt. Somewhere at some point, you may have made a choice to enter debt. But the truth is you can, and you are meant to be FREE. Ask yourself, if the Borrower is slave to the Lender then how can I be both at the same time? Build a budget to know how much you have at the end of the month, and when do your debts have to be paid. Ask yourself can I find a way to make an extra $100 to $200 a month?

Your journey to a debt free me truly begins when you can be honest with your self both financially and internally.

If you want to learn more about how I’m increasing my income while reducing debt, or if you want to have someone to discuss your debt reduction strategy with, or if you need a financial check-up, contact me.

Also, learn more about how I use the self-lending principle through Mustard Seed in the mustard seed section.

“The LORD will send rain at the proper time from his rich treasury in the heavens and will bless all the work you do. You will lend to many nations, but you will never need to borrow from them.”
‭‭‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

Deuteronomy 28:12 NLT‬‬
‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

http://bible.com/116/deu.28.12.nlt‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

I believe in your journey to….

A Debt Free Me

Here’s this month’s video: Motivation To Get Up Early- BE UNCOMMON – Motivational Video from the Mulligan Brothers YouTube channel.


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Month End: February Snapshot


I had a little more progress this month. I was able to reduce the debt on one of my cards, and I plan to pay off another card next month. What’s changed the most isn’t the way I pay down my debt, but my relationship with my wife and myself. I feel like I’m becoming more like the person I was meant to be. A more honest and authentic version. I still make mistakes, and I can’t change the mistakes I’ve made, but I take responsibility for them, and because of my wife and who she is, I’m blessed to face this life together. Even if you’re single, you’re not alone. Find someone you can be your true self with. Be both strong and broken, but be the most honest version of who you are. If the person truly understands you, the person will accept you. It’s where true healing can begin.

Your journey to a debt free me truly begins when you can be honest with your self both financially and internally.

If you want to learn more about how I’m increasing my income while reducing debt, or if you want to have someone to discuss your debt reduction strategy with, or if you need a financial check-up, contact me.

Also, learn more about how I use the self-lending principle through Mustard Seed in the mustard seed section.

“The LORD will send rain at the proper time from his rich treasury in the heavens and will bless all the work you do. You will lend to many nations, but you will never need to borrow from them.”
‭‭‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

Deuteronomy 28:12 NLT‬‬
‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

http://bible.com/116/deu.28.12.nlt‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

I believe in your journey to….

A Debt Free Me

Here’s this month’s video: WHAT IS YOUR WHY? | Motivational Video from the Mulligan Brothers YouTube channel.

Month End: January Snapshot


My pastor called this year, a year of reconciliation and restoration. I completely agree. I’m trusting God to really take over my finances and bring clarity to my debt reduction. I’ve also openly discussed my finances with my wife. I realize that last year was a year of me, and I’m committed to a lifetime of WE. I haven’t disclosed my entire debt that I’m currently paying down. The actual number may shock you, but I’m still believing in a dramatic reduction. I’ve seen it happen, because two of my credit cards have been paid to zero. Did I do anything different? Yes. I simply opened up and said the truth. Because I did, we came out with a clear direction and plan together. I focused what money I did have, sold things I didn’t need, liquidated assets, and cut back expenses.

I do still have income producing assets, but my focus now is on my marriage. What’s the point of being debt free, if you have no one to enjoy your life with? Don’t let your goals destroy the life you build.

If you want to learn more about how I’m increasing my income, while reducing debt or if you want to have someone to discuss your debt reduction strategy with, or if you need a financial check-up, contact me.

Also, learn more about how I use the self-lending principle through Mustard Seed in the mustard seed section.

“The LORD will send rain at the proper time from his rich treasury in the heavens and will bless all the work you do. You will lend to many nations, but you will never need to borrow from them.”
‭‭‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

Deuteronomy 28:12 NLT‬‬
‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

http://bible.com/116/deu.28.12.nlt‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

I believe in your journey to….

A Debt Free Me

Here’s this month’s video: THROUGH ADVERSITY – 2018 Motivational Video from the Basquiat Picasso YouTube channel.

Month End: December Snapshot

This year didn’t end the way I expected, but honestly, I’m not surprised with the results because of the choices I made. I sacrificed my eternal riches, because of my own selfish delusions and decisions. What is the point of being debt free if you have no one to share the victory with? Looking in the mirror, I know I need to make serious and genuine changes not just in my finances, but in my life. A friend of mine has said, “What’s in the darkness, always comes to light.” I need to change my heart, change my direction, and change my life. I’m going to need serious help to live my life as a whole person. I never realized how much my life was fractured until the end of this year.

Looking at 12/31/16, I had $23,785.14 in total debt both in installment loans and credit cards. I’ve progressed to $15,879.20 in total debt, and reduced my debt by $7,905.94 or 33.2%. Honestly, I had hoped to have it paid off by the end of 2018, but after much reflection, I realize that it was an unrealistic goal. I could possibly do it, but it would mean putting my family, body and mind through such an intense stress that I decided to re-evaluate this decision. You shouldn’t allow your debt free strategy destroy your family and yourself. Finally, I believe if you’re married your spouse needs to know everything completely. Not just finances, but your dreams, nightmares and who you truly are.

If you want to learn more about how I’m increasing my income, while reducing debt or if you want to have someone to discuss your debt reduction strategy with, or if you need a financial check-up, contact me.

Also, learn more about how I use the self-lending principle through Mustard Seed in the mustard seed section.

“The LORD will send rain at the proper time from his rich treasury in the heavens and will bless all the work you do. You will lend to many nations, but you will never need to borrow from them.”
‭‭‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

Deuteronomy‬  28:12‬ NLT‬‬
‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

http://bible.com/116/deu.28.12.nlt‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

I believe in your journey to….

A Debt Free Me

Here’s this month’s video: 10 Minutes To Start Your Day Positively |START YOUR DAY RIGHT | MORNING MOTIVATION | 2018 MOTIVATION from the Be Inspired – Daily Motivation YouTube channel.

Month End: November Snapshot

I was thankful this month to be able to travel up to Delaware to meet my wife’s grandfather. Unfortunately, he couldn’t attend our wedding, but I enjoyed getting to meet him and see how everyone interacted with each other. I did end up using the Barclay’s Mastercard, and with Christmas approaching, I feel like I’m going to end up using the cards. If you don’t have money in savings, you may end up falling back into the cycle of charging things on credit. My advice is if you must do it then, make sure you can pay off what you charge. If you can’t then be willing to sacrifice a Christmas where you can’t buy gifts. The holidays should be about spending time together, and not about spending. If you’ve used the self-lending principle, then you’ve had the opportunity to build up your savings account at an accelerated rate.

It’s important to make small and measurable steps, and celebrate the small victories.

If you want to learn more about how I’m increasing my income, while reducing debt or if you want to have someone to discuss your debt reduction strategy with, or if you need a financial check-up, contact me.

Also, learn more about how I use the self-lending principle through Mustard Seed in the mustard seed section.

“The LORD will send rain at the proper time from his rich treasury in the heavens and will bless all the work you do. You will lend to many nations, but you will never need to borrow from them.”
‭‭‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

Deuteronomy‬ 28:12‬ NLT‬‬
‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

http://bible.com/116/deu.28.12.nlt‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

I believe in your journey to….

A Debt Free Me

Here’s this month’s video: The 13 Truths – Matthew McConaughey [MOTIVATIONAL SPEECH] from the MULLIGAN BROTHERS – DAILY MOTIVATION YouTube channel.

Month End: October Snapshot


Make sure you don’t try to pay off your debt on your own. This month was rather frustrating for me, and I feel like my debt reduction is too slow. Always remember that being debt free can be a slow process. When you feel overwhelmed, stop, breathe deeply, and close your eyes. Do these three steps over and over again. With your eyes closed, imagine being debt free and feel it with all your heart, mind, and strength.

If you want to learn more about how I’m increasing my income, while reducing debt or if you want to have someone to discuss your debt reduction strategy with, or if you need a financial check-up, contact me.

Also, learn more about how I use the self-lending principle through Mustard Seed in the mustard seed section.

“The LORD will send rain at the proper time from his rich treasury in the heavens and will bless all the work you do. You will lend to many nations, but you will never need to borrow from them.”
‭‭‬‬‬‬‬‬‬‬‬‬‬‬‬‬

Deuteronomy 28:12 NLT‬‬
‬‬‬‬‬‬‬‬‬‬‬‬‬‬

http://bible.com/116/deu.28.12.nlt‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬‬

I believe in your journey to….

A Debt Free Me

Here’s this month’s video: The Power of Habit – One of the most Motivational Talks Ever from the Video Advice YouTube channel.

Month End: September Snapshot


I’m thankful that this month is coming to an end. To be honest, I hit a place toward the end of the month, where I became genuinely depressed. You’ll run into these moments where you will want to give up. In those moments, I hope you understand that there are options. When it comes to debt, you do have options. You can either contact your creditors to negotiate your debt, or file bankruptcy.  Just remember that your life is precious, and your impact lasts beyond your lifetime. It requires knowing your financial situation and your budget.  Knowing your final bottom line number, will help determine if a debt repayment plan will help you or if bankruptcy is your best option. If you go down the road of bankruptcy, then I suggest having a plan for life after bankruptcy. It’s a clean slate whether you choose a chapter 7 or a chapter 13. In the end I suggest having a way to increase your personal savings and your disposable income. If you do, consider bankruptcy then I suggest doing your research and getting all the facts from a bankruptcy attorney.

Thankfully, because of my wife’s income, and my income, we’re both able to combine our income to accelerate our debt repayment plans and at the same time save income. Next year, I’ll start focusing on the lower balance of the Barclay’s card since it has the highest interest rate, but the smallest balance. My wife’s spare time business continues to do well, and as we slowly pay down our debt, we’re looking for ways to increase passive income. The one thing we can’t get back is time. If you can build a passive income generating asset, then do it today and let it work for you. As frustrated as I am, she reminded me that it took time to build up my level of debt and so it’s going to take time to pay it off too. No matter how frustrated you may become, stay the course and I believe in your journey.

If you want to learn more about how I’m increasing my income, while reducing debt or if you want to have someone to discuss your debt reduction strategy with, or if you need a financial check-up, contact me.

Also, learn more about how I use the self-lending principle through Mustard Seed in the mustard seed section.

“The LORD will send rain at the proper time from his rich treasury in the heavens and will bless all the work you do. You will lend to many nations, but you will never need to borrow from them.”

Deuteronomy 28:12 NLT

http://bible.com/116/deu.28.12.nlt

I believe in your journey to….

A Debt Free Me

Here’s this month’s video: YOU CAN ALSO BE GREAT” – Elon Musk Motivation – Motivational Video from the Mulligan Brothers YouTube channel.