Tuesday, December 19, 2023
Ending off 2023 feeling grateful
From the title, this will probably be my last post of 2023. Man, this year was probably one of my best years in all of my 20's !!! Now the year didn't end up the way I thought it would, but I accomplished so much in 12 months. So originally I thought I would be off on some island studying medicine, with Gianny on my hip. Now that I look at it, that probably wouldn't have been a good idea. Because currently as a single mom, I financially support Gianny on my own, with no help from anyone. So If I would have moved to an island with my daughter, it would have been expensive af. Schooling on the island for her was around 10,000 USD yearly. And I thought the person who was helping me support her, would have always been there to support her. Man was I wrong !!! Good thing I didn't go. I would have ended up a broke medical student, forcing to make ends meet. Like I said, everything happens for a reason. So for the past year and a half, I have been teaching and, I've downsized my living to save. In 2023 alone, I have paid off over $$15,000 in debt. Insane right? Lol, and I'm on track to be consumer debt free by July 2024. So only 7 more months to go. At the end I'll make a spread sheet of everything I've paid. Now was this hard? Yes it was. Imagine seeing those payments come out of my account every month, but I had to do it to become debt free. I also was able to travel, shop, and do nice things even though I was paying off debt. So I didn't have to sacrifice everything. I just cut out all the unnecessary extra spending. I also plan on buying a new car in March of 2024. So 3 more months, and I can finally replace my Toyota. It's been 10 long years with the Toyota. The reason I never replaced it was because I refused to get a car payment. I told myself if I can't buy the car cash, then I don't want it. So I'm definitely looking forward to March. I deserve it, after paying off all this debt. I'm so proud of myself. Last year, Gianny was with my grandparents, because it was just too much to handle alone. Now she's with me full time, I'm working 2 jobs, and I'm in school full time. I didn't think I was capable of accomplishing so much alone. But GOD DID. So this post is to any single mom out there that maybe struggling. If I can dot it, you can do it too.
So I'm going to give y'all a condensed version of my 2024 Vision Board.
1- Pay off all consumer debt!
2- Buy new car
3- Increase credit score
4- Make 6 figures
5-New Accessories
6-Start being consistent in my workouts again
7- Finish retaking all expired pre-requistes
8- Save mula
9- Take GRE
10- Apply to AA school.
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