When turning 19 I was working earning a fair amount of income and because of that job I received many, many, “you have been approved” letters for credit. No one ever really talked with me about the complications of putting yourself in debt so obviously I ended up getting a fairly large credit card and maxing it out.
That was by far one of the worst mistakes of my life, very shortly after taking the credit card I lost my job and it has been a series of struggles ever since including being in trouble with the law. I ended up having to put myself in consolidation which luckily is one step before bankruptcy and actually helps to rebuild your credit rating. I knuckled down for nearly 5 years before finally digging myself out of that initial debt but did I learn? No!
Most recently my fiancé and I ended up in debt over my desire to drive a Pontiac Fiero. Man did I love that car, still one of my favourites that I have ever owned but it came with a cost. It would break down constantly even the same parts over and over needing to be replaced. That combined with a few unavoidable life situations put both of us back in debt.
Since the beginning of this year I made it my mission, working a second job to help pay off our debts all over again. My fiancé has successfully paid off all of her debt as of last month and myself I have mostly paid off my car loan and currently I only have one line of credit which should be paid off by the end of next year. It will be the first time since I was 19, I am now 32, that I will have no debt above my head. From there we intend to save, my fiancé has already started, hopefully moving forward to buy a house which is something I had not thought seriously we could ever achieve.
We are hard-working folk but I arrived a little bit late to the understanding of financial freedom and I see crypto currency as a means to ensuring our futures.
I hope one day that all my blogging & vlogging will be able to pay just for a vacation to celebrate our financial freedom. Possibly meeting some of you guys while I’m on my adventure doing what I love, my new found passion of travel vlogging! Had I not fallen into debt I may never have been lead to crypto & Steemit alike thus I see the value of such a difficult journey to finally be able to breathe freely again.
This #FreeWrite Prompt of the day “Debt” by @MarianneWest
If you struggle like I from time to time always searching for a topic to write about I highly suggest you check out the community @FreeWriteHouse and her daily prompts. I am certain you will be met with a warm welcoming inspiring you, as it did for me, to continue forward on your own creative journey.
This month they are each putting together a novel in one month, your rocking it #NaNoWriMo warriors.
Let me know your thoughts in the comments below!!!
Thats it @d00k13 OUT