Financial Woes & Triumphs 11/15/2010
As a kid I wasn’t educated on financial responsibility. In fact, I think my parents are just now learning what that means. So after I high school, I did the typical thing & charged up credit cards, took out personal loans for things like tires & a computer, & traded in a car that was paid-off for a car payment.
Looking back I can see the error of my ways. I only wish someone had been there to slap me around a bit & knock some sense into me.
Don’t get me wrong, my parents aren’t to blame. I take full responsibility for my actions. However, I do wish that somewhere along the way I would have been taught about credit scores, interest rates & smart investments.
Right now, I am sitting on $14,000 of debt- I’m not afraid to admit it. My ideal goal is to be out of it by the time that I am 30 if not sooner (I am 24 right now.)
This was the first year I have been able to actively pay off my debt. Although this is true, my credit score isn’t showing the effort I have made (which is more than frustrating.)
Sadly, I am still generally uneducated when it comes to my finances & if there is someone out there now who has interest in sitting me down & teaching me- I am MORE than willing to listen.
I have chosen to be patient with all of this. I know my usual behavior requires instant gratification. However, I know the waiting game will pay off in the long run here- literally.
So this is my testimony & my cry for help. If you or someone you know is a money genius- I need assistance.
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