07/17/2020
Congrats...
AWESOME! Way to go! 👏
"Probably the biggest adult flex there is... I AM DEBT FREE!!!!!! 🎉🎉🎉🎉 Back when I started my career, I was making way more money than I ever did in my life. My first two paychecks, I can’t even tell you where it went/ what I spent it on. That’s when I started to do research about financial planning and found Dave Ramsey. I read his book Total Money Makeover, and realized that having debt shouldn’t be the “norm.” So I started budgeting, paying my debt intensively and I stuck by it. From reading the book, the stories of others’ financial journeys made me even more grateful for the parents I have, the scholarships I received and a hospital that paid for my tuition because I was able to graduate without student loans. The only debt I had was my new car that I was forced to get due to an accident (was very close to paying the car before it off). I knew the goals I had, so I bought my “mom car” w longevity in mind, literally till the wheels fall off. And now... that car is mine!!!! I am happy that I learned at such a young age that just because others have debts, doesn’t mean I have to have any. I’ve also realized I have a lot of discipline when it comes to making financial decisions.Now on to baby step 3 (building my emergency fun- for all you non Dave Ramsey followers).... then saving for moving out (finally), my possible return to school & investing!!! And duh, now I’ll have money for all the trips I could ever take in the world!!!! Here’s to NEVER having a car payment ever again. And being able to live like no one else 🤍"
— Toni