I’m Still Yet Broke Tho!

So there I was.  Still broke.  Looking stupid.  Living check to check.  Trying to figure out why?  Pissed at myself for being here again.  Stressed out of my mind trying to figure out how I will pay my bills.  It was not a good look honey.  I was in bad shape.  But I knew I didn’t want to stay here.  So how was I gong to finally take control of my finances?

What I decided to do was start with writing down everything I spent.  I wrote down when I went out to eat, to the club, grocery store, paid a bill, loaned a girl $20 for gas, I mean EVERYTHING!  This process was not easy.  Remembering to write down everything you spent to the penny can seem tedious.  But let me tell you, it was eye opening to say the least.  When it came to money, I was a hot mess.  I spent like I made twice what I actually did.  No wonder I was in credit card debt up to my eyeballs.

Once I sat down and really looked at where my money was going, it was easier for me to make better decisions.  I cut back on going out to eat and started cooking.  I started to decline more invitations out on the town.  The cost and gas of those events were killing the pocketbook.  I started thrift store shopping instead of going to the mall.  The savings were immediate.  I went from living check to check to having some change left over in my account before my next check hit.  YESSS!!!  I kept this up for some months until eventually it became habit.  I finally had a legitimate savings account.

But then there was my debt.  Oh, and I had some low debt honey!  I had a car loan, 2 credit cards, and student loans.  I paid off the furniture loan and the personal loan by this time.  (I HAD to pay these debtors off before the 0% interest special ended)  I was finally in a position where I was making my payments in full and on time, so those girls were not calling me daily.  But I was only making the minimum payment every month.  It was time for me to start taking a hard look at how much debt I was in.  That is when stuff got real y’all.  I had to tackle this debt if I was really

Done Being Broke!

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