Becoming debt free doesn’t happen by chance and you cannot just dip your toe in the mindset pool. You have to go hard in the paint and that can have lessons that will last a long time afterwards. Much like the parents who were kids during the Great Depression or growing up poor, you just never get away from that mentality and it colors the majority of what you do going forward. You have to have balance and remember that where are you are is not where you were. This comment is true for many things.

As I get down to the last few thousands $4476, I have been reminded over the last few days that I can loosen the purse strings. With gas at a steady 4.72 after the lull of 4.29 for about 3 weeks, it can be hard for me to do that. I can’t wrap my head around it that I have been paying off debt since 2011, when I got serious (changing mindset) about it, the year was 2017.

I bring this up to say that no one can pay off over $70 thousand dollars comprised of two universities while cash flowing a real estate license, life coach, Spanish lessons, GMAT prep …I was trying to “find” myself. Then the “things” that went on credit cards….WebTv anyone? Taxes, flights, drinks and more physical therapy. I haven’t really done the math, but it was definitely close to or over six figures. 🥺😱🙀 I give myself PERMISSION to let it go.

I have punished myself long enough. I am no longer in 2011 or 2020. I am no longer that person who doesn’t see consequences. I had paid off debt before and my parents had paid off my debt in my early 20’s, but this time it was a stripped down version. I learned new habits and a new way to live. I gave up all bad things, put on the new personality. Less than 2% of my income since September of 2017 has gone to alcohol. Between 2011 and early 2013 I did all the things to pay off debt and all the things to have a good time…

It wasn’t until I started to realize that I needed spiritual things and did something about it, that what I was doing changed. Psalms 1:1 “Happy is the man who does not walk according to the advice of the wicked.” Using the Bible, God’s word to educate my way of life is what has allowed me to get out of debt. If I hadn’t learned a new way of living, I likely would still be on the fence with one foot parting, drinking and vacationing on credit while trying to pay off debt.

I am still working on me, I always will be. I have to remember Psalm 103:12 “As far off as the sunrise is from the sunset, So far off from us he has put our transgressions.”

Til next time…🥰 xoxo


  1. Afro Penny says:

    I felt every bit of this.

    Liked by 1 person

    1. Good 🤗. I feel like it spoke to me. Like when you hear a good song and you get goosies ’cause you feel the emotion? That is how I feel rereading it.


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