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.
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!
[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.
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
Better business climate
Better better business bureau
More snow plows
More trash cans
Energy-efficient street lights
Westide detoxificaion and revitalization project
Repaving grand avenue
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
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
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!