3 Ways to Pay Off Your Credit Cards

I don’t know about you but I hate debt.

It gives me anxiety.

I don’t like owing people.

I got my first credit card when I was 18.

My mom tried to warn me, but I didn’t listen.

At 18 I got every card I could think of and I maxed each one out.

I have paid that debt off since then, acquired more, and now I can say in the 2020, I was able to get all my credits down to less than $100 balance, during a pandemic.

In 2021, my goal is to maintain a low balance on my credit cards, while attacking my car payments. I also want to start attacking this school loan debt.

The golden rule is that you do not want your credit card to exceed 30% of the credit limit.

My goal is to definitely stay under that!

I was doing some research and I found that most people my age, 35 and under, have

  1. Student loan debt
  2. Credit Card debt

I know this was true in my life until I paid off my credit cards.

Today, I want to share what I did to pay off my credit card debt and leave you with some methods that can support you in paying off your debt as well.

Continue reading “3 Ways to Pay Off Your Credit Cards”

4 Ways to Financially Prepare for 2021

Happy Monday!

As I reflect on my financial goals

Where I came from, where I am currently, where I want to go.

I can honestly say that I see a lot of growth.

I came a long way!

One of the major realizations that I have had is that managing and growing your finances is all about your mindset.

You really have to go from a mindset of poverty, lack, and instant gratification to a mindset of wealth, abundance, and patience, especially when you come from where I come from.

This journey is easier said than done.

Most people who are mentally living in a state of poverty are

  1. okay with it  
  2. don’t even realize they living in it

Managing and growing your finances is also about ACTION!

Continue reading “4 Ways to Financially Prepare for 2021”