HONEY! I am DONE!
Honey! I am DONE!
Broke. Definition per the most familiar girl we know, Merriam-Webster, the definition of broke – past tense of break. Ok. That’s no help. So I go to the definition of break – to separate into parts with suddenness or violence.
So in summary, to be broke is to be past the state when your financial life has all of a sudden separated violently into pieces. Things have been shabby for a minute when you broke. The struggle is past real when you are broke. And I am here to testify that being in that state is neither fun or healthy.
I found myself stuck in that state for many years. For the life of me, I couldn’t figure out why I stayed in this state. Hell, why was I even in the state? I took a serious look at my finances and where I was in life. For the first time I was actually honest with myself. I was making dumb financial decisions. I was the reason I was broke. It was all on me!
I was fortunate enough to graduate with my MBA, and was gainfully employed at a job that paid relatively well for my experience level.
I didn’t have an income problem. I had a spending problem. I did everything you aren’t supposed to do. Got the new car loan, opened credit cards, store credit and personal loans. Honey, I almost took out a payday loan, but those girls wanted to call my job, and that didn’t sit well with me. I was broke, but I didn’t want anyone to know I was broke.
I decided, I had enough. I was done being broke. I got focused and started working on my spending habits and trying to clean up the financial mess I made. Then life slapped me with unemployment. Touche Life. Touche.
So all that planning went to hell. The silver lining of the time was I had no lease. I was let go the month before my lease ended so that worked out. I went right back to doing what I wasn’t supposed to do. At the time living unemployment check to unemployment check. Looking for a job with no success at the time. (Before a girl try it, it was the end of 2008. Enough said.) Put my student loans in deferment, maxed out the credit card I had, just on and on. That went on for about 4 months and then a girl put me on! What Up! Not going to be broke no more!
I stayed broke. I had a job, but of course I did not change my lifestyle. I went right back to trying to ball out. I was having a good time, but my financial life was depressing. I stayed in that depression for years. Until I looked up and I had two maxed out credit cards, making late payments on my bills, getting denied for credit and being asked for higher deposits. What in the hee haw? How? I was paid well. How am I in this situation? And I remembered I have already been here. I was here years ago when I said I was going to get it together. I told myself I had to make a decision. What life did I want to live? Where did I want to be in 5 years? Who did I want to be in 5 years?
When I answered those questions, I decided, I was
DONE BEING BROKE.
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