debtfree

My best purchase ever!

Young and stupid

Before I can tell you about my best purchase I need to tell you about one of my worst. When I was a bit younger I thought it would be a great idea to buy a new car. I was making enough money to afford it and was proud about that. I intended on buying a used car at the time but was upsold soon after arriving  at the car dealership. Those damn salesmen are crafty! I was young and naive but not to worry, I’ve managed to learn a thing or two since then.

Fast forward several years

My fancy new-ish car was costing me $350 per month and that didn’t include the comprehensive insurance required on a financed car. Although it was a great car I felt like it was a lot of money each month just to get from point A to point B. I did look cool in it and it was a blast to drive but it didn’t make financial sense. I decided that I had too much debt in my life and the car had to go. I found a private buyer that took over the payments and I was free and clear.

Out with the old and in with the older

Ok, so I got rid of my newer car and traded it for one much older. I spend $500 on the car and $60 to fix a minor engine problem it had. The car had 169,000 miles on it but ran perfectly. It was surprisingly well kept for it’s age. I now have an extra $350+ per month in my pocket and I’ve managed to rack up the miles on my $500 car to 249,000 with only minor maintenance costs.

Let’s Compare

  • New Car Cost: $350+ per month
  • New Old Car Cost: <$10 per month

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Goodbye Credit Card Debt!

Motivation is only the beginning. It is the discipline to incorporate your habits into your lifestyle is what’s truly going to achieve change.

Earlier this year, I’ve made the pledge to live within my means and get rid of any outstanding debt to one day achieve financial freedom. This isn’t a one-time goal that will happen overnight, but rather a lifetime commitment of being smart with money. Especially in a time when our financial resources are getting scarce and our debt bubbles are growing, I want nothing to be a part of this growing statistic.

Today, I have just paid off my monster credit card debt that I’ve been rolling over since I was a student! A great weight of pressure is now off of my chest as I look forward to paying myself first for future investments.

Sure, I still have a very small student loan to take care of (hurray Canadian education!), but even that’s a walk in the park after what I’ve went through. So, here’s to a personal major victory for a long journey ahead! On to the next battle!

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Sell your crap. Pay your debt. Do what you love. 

Addressing debt.

[The above flow chart is a page taken from my art book.]

Let’s talk dirty money. If you’re like most Americans, you’re deeply enshrouded in debt. And more than likely, your income doesn’t match what your repayment plans demand. The greatest piece of advice that I can offer you, is do not give up. I know it’s easy to feel discouraged when the bills pile up. However, I promise that there is a path to financial fitness if you are pernicious, scrappy, and creative. I’m working towards my goal of being debt free and financially successful every single day.

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People think that Puertoricans are fucking poor and shit but lemme tell you, when you americans finish college you’re in a HUGE debt, whereas we puertoricans basically get paid to study. I think that in the scholarship that almost everyone has the max is $5,000 a year i think. That is enough to pay for school, school supplies and to spend it however you want. Say what you want, but im quite happy with my non-existent debts. 

*Obviously there are cases where puertoricans have to pay for their studies or part of them. 

Hi, I’m Leslie Knope, I’m pro-parks, pro-public safety, and I’m pro-clean water. I’m also pro-environmental regulation, and I’m very, very pro-local propositions 45, 86, and 102f. But most of all, I’m pro-Pawnee. Here are some other things I’m pro:

  • More dog parks
  • Senior citizens rights
  • Safe streets
  • Safe sidewalks
  • Better schools 
  • Lower taxes
  • Better parks
  • Better business climate
  • Better better business bureau
  • Cleaner streets
  • Improve greenways
  • More snow plows
  • Protecting pawneeans
  • Improving tourism
  • More trash cans
  • Energy-efficient street lights
  • Westide detoxificaion and revitalization project
  • Repaving grand avenue
  • More teachers
  • Fewer libraries
  • Improve intergovernmental agency communication
  • Clean-up barefoot lake
  • Passin pawnee jobs bill p-129.4
  • Playgrounds in every park
  • Playgrounds in every schoolyard
  • Playgrounds in every residential block 
  • Clean energy
  • One police officer for every 5 citizens
  • One park ranger for every 10,000 raccoons
  • Resodding hilltop cemetery
  • Start talking to cuba again
  • Emergency evacuation drills
  • PFOW for charity
  • Forming an ad hoc sub-committee oversight committee
  • Challenging the norm
  • Pawnee corn subsidies
  • Finally passing pr-61, formally recognizing south korea
  • Official peace treat with the wamapoke tribe
  • Four-way stops at every intersection
  • Unionizing ice cream trucks
  • Get Europe out of debt
  • Free trade with illinois
  • Enact RRP - raccoon relocation project
  • Pawnee communitty college tuition in exchange for 4 years of public service
  • Doubling Pawnee hospital’s emergency room nurse staff
  • Legalize korean
  • Lower the obesity level
  • Stop global terrorism
  • Re-open the toucan exhibit at pawnee zoo
  • Find Gabe the toucan
  • More community gardens
  • Ordinance 11f: to re-pave city sidewalks
  • Budget reform
  • Updated technologies for local schools
  • Better retirement benefits for city employees
  • Edward Phillips senior center remodeling
  • Speed bumps in front of elementary schools
  • Unemployment benefits
  • Re-instaling the main st. farmer market
  • No turtles as pets
  • New uniforms for youth sports programs
  • Free public wi-fi
  • Updated childcare facilities
  • Shutting down the child left behind program
  • Handicap parking placard for the obese
  • FREE PARKING EVERYWHERE
  • Cleaner drinking water
  • Regulate heights of trampolines
  • Memorial for those lost in the trampoline “incident”
  • Control the floods
  • Funding for public art commission
  • Fencing in correctional facilities
  • New police patrol cars
  • Funding overtime hours for police
  • Rebuilding the PTA
  • Prosecuting former PTA president Linda Trifle
  • Refitable government organizations
  • Shutting down underground shooting ranges
  • Making sure city contracts employ local workers
  • Providing more economic development grants and micro-loans to small businesses
  • Foster partnerships with sister cities
  • More buses to speed up morning commutes
  • More streets to accommodate additional buses
  • Require all city employees check to respond to email
  • Working sewers
  • More parades
  • Grants for scientists to discover new forms of energy
  • Leave a lasting impression on all visitors
  • Challenge the norm
  • Finish the statue of burt bacharach
  • No more conflict diamonds
  • Bulletproof glass everywhere
  • Free cookies at every street corner
  • One school for every student
  • Require flattering mirrors in public restrooms
  • Develop a municipal composting operation
  • Enforce evisting speeding and noise ordinances
  • Upgrade existing parks
  • Create an anti-graffiti youth outreach program
  • Free cake when it’s your birthday
  • Reevalute Nafta
  • Rickshaw wednesdays
  • Making it illegal to refuse a hug
  • Make downtown more people-friendly
  • Sell candy in government buildings to pay down the debt
  • Get Pawnee a licensed pharmacy
  • Better screening processes at local adoption agencies
  • Finding homes for the adopted children of day labor corp.
  • Prop 6a: to recognize all five good groups
  • Replacing all glass with plastic at pawnee psychiatric clinic
  • Curfew for minors at the pawnee mall
Fed up...Game Over.

I am delighted to say that I have paid off my student loans. My goal was to pay it off before my grace period expires in March and I was able to. I am so happy and proud of myself. Now I can focus on saving money and traveling. I didn’t want to make monthly payments since I find it annoying. Instead, I wanted to pay the whole thing off but I couldn’t so I made 3 payments. Another goal accomplished. I am debt free! 

-January 28th, 2014.