Saturday, April 28, 2018

*Debt Free, Now What?*

I'm so excited to announce I am debt free! Last week I paid off my last student loan ๐Ÿ™Œ! That was one of the best feelings 2018 could have given me. I told myself this year I would be more selfish and accomplish all the goals I set out for myself. This was one of my biggest because I was working on this for 4 years. And next month will be 10 years since I graduated from college. It was very imperative to me that I completed it.

Even though it took me four years. I believe it could of been completed sooner. However, I was busy doing things for others, and didn't forcus 100% on myself. Let me tell y'all when I did everything changed for me. 

After I became debt free, I immediately started looking at my "WHY" that I wrote  prior to getting out of debt. I had a long list of reasons that gave me something to focus on afterwards. So, now I am gonna list the things I will focus on after debt freedom.

  • Get my emergency savings fund fully funded by end of 2018. I'm already halfway there.
  • Start a car fund to get another car. My car now is on her last leg. And I need to find a new one soon.
  • Increase my retirement savings funds to get that free match ๐Ÿ’ฐ! My retirement is automatic by I have to increase my contribution.
  • Take more trips and vacations I love traveling. It is my number one passion.
  • Save up to start a business. I know in my heart entrepreneur is in my blood. After all I went to school for business. And I love creating and this mixes my two loves together.
  • Start an investment fund for my niece and nephew. That will be one of my ways of giving back.
  • Start my own charity/non profit for teenagers to find their passion!
  • Write a book based on my life and motivation inspiration. This is very long over do this is something I wanted to do in my early 20s.
  • Move to another state...I need a change of scenery.
  • Invest in my Robo advising account I opened this year. 
  • Retire early
  • Build my net worth
  • Possible purchase a home or rental properties.
  • Give, give, give....I am a philanthropist at ❤
If you can live like no one else for a little while. You can live like no one else later. Debt free is the way to be๐Ÿ˜˜

Sunday, February 4, 2018

*Quick Update 2018*

I told myself this year that this will be my selfish year. The reason I can do this is because I am single with no children. I have no other responsibilities besides myself. I just 
 grown tired of helping other people and not helping myself first. 

So yeah pretty much this year is about ME! I cut my hair in a blunt bob on the 1st. This was a symbol of a fresh start for me. I started working out too wooh wooh๐Ÿ˜„! I absolutely love the gym right now. My body of course loves it too. I started investing this year with a robo investment company. Something new that I wanted to explore. And my #1 goal this year is to be debt free. Pay off the rest of my student loans! I am so tired of them on my back. I have 3 more left in the snowball method. One of which will be paid off this week๐Ÿ™Œ. So slowing but surely I will have my life back. I've been on this debt free journey for 4 years now. In unless you have too you will never know how hard it is. I also want to do some traveling as well. I love traveling it is one of my passions. 

Each month I set monthly goals to keep me focused. Whatever I don't complete will be rolled over to the next month. I've been a little reclusive too. Staying to myself and limiting my phone conversations etc. Now we are in month 2 of 2018. My motto for the year is "Just do it" and that is exactly what I plan to do!

Until next time, stay sweet my Candycanes ๐Ÿฌ

Tuesday, November 14, 2017

Saturday, November 11, 2017


I'm the type of person that never was materialistic or really lived for things. I was more of a experience type of girl. One that loves adventurous trips and spending time with family and friends. Things to me are really nothing...they come and they go. I realized at a very early age I was not like a lot of my friends that strived for things. 

These last couple of weeks I have been selling/donating things that no longer have a purpose. Clothes, shoes, kitchen appliances, electronics, and some furniture/decor items too. As I was going through my things, I noticed some things I never used. Yes, some stuff was brand spanking new. The thing is I didn't care, if it has no purpose it was getting tossed!

I know letting go of things is hard for some people. However, what we fail to realized sometimes is that things take up our time. Some things cost more money or some things require repairs/add on items. What is the use of having so many clothes, taking up time you will never get back washing, drying, folding, and repairing. And most of the time our closets/drawers are filled with things we don't need. Stuff that has been sitting there for years. I had some items that were college old. I was thinking why am I still holding on to this stuff lol. 

Now my journey will focus on going back to the basics. Just trying to keep the things that I wear and things I use. If I havent use or wore it in a year or so goodbye ๐Ÿ‘‹. It's really that simple if we think about it. Letting go can be so simple but we rather make it hard lol (Lauren Hill). 

Now looking around my place I feel less anxious. I feel more relaxed in my home. Yes, I still have to go through more closets etc. However, I know I am making progress. And that is very important to me baby steps. 

Now I am more focused on how I spend my dollar as well. It's helping me to save more and say no to consumerism. After watching this documentary about how corporations/government set us up to spend. I was like no I will not get caught up in this rat race. I know bits and pieces because I went to school for marketing. Basically, our minds subconsciously pick things up we don't need. Most people spend money trying to inpress people they dont like. And they become a slave to the system. It's the main reason a lot of folks are in debt as well. 

Trust me life is too short to be worried about things. Find out what makes you happy. Find out what your passions are and pursue them. Find out how you want to spend your limited time on this earth. Question everything until you get the answers to your questions. Because really things are good for flexing on social media, but really is your life as glamours outside the pictures? It's time we dig a little deeper...I know I am. It's freeing...and there is no feeling like being free๐Ÿ˜Š

Friday, October 20, 2017

*Me Too*

I heard a poet once say you become a poet when you start speaking the truth. I believe this is so true because all my favorite poets speak the truth. No matter how hard or how incompatible or even judgemental they speak the truth. I remember a few years back going to a poetry writing class and seeing this young lady burst into tears speaking of being molested as a child. It was a very uncomfortable feeling seeing her cry knowing that I could relate. I just seat back and thought to myself true healing comes from releasing and speaking the truth. And I thought even back than I wouldnt tell my story. Now that I am in my 30s and more fearless than ever I have to speak. Seeing so many woman on social media share their me too story also inspired me to speak. 

Trust me anybody that has dealt with any form of sexual assault it is hard for them to speak
  out, they often think what if people don't believe me or in my case I might lose a lot of family members. As the person I was molested by was my female older cousin. I was around the age of 5 years old, and she was around 11 years older than me. This was a form of child on child molestation. 

Even though I was a young child I remember...a child still remembers. I remember going to her house with my mom and she asked me to go upstairs amd play. In the beginning we began playing this penny game. And the next thing you know I was being molested under her bed. At that age of course I didnt know what the fuck was going on. I just layed there and afterwards she said don't tell anybody. 

Afterwards, we came downstairs I remember my mom asking me "what where yall doing upstair?" I remember my responds was "playing." I didnt know at that moment that responds would hunt me for the rest of my life. The second incident happened when we sleep in the same bed one night and she touched me. At the time I was thinking in my head....why are you doing this to me. I was afraid and didnt know what to do. 

Besides those two times I can't recall anything else sexually that happened. The last incident was all based on fear. One day while in her room she told me if I told anyone what happened she would KILL me. She held a steak knife with s green handle to my wrist. And she tried to suffocate me with a pillow. I was gasping for air in total fear. I am still catastrophic to this day because of it!

I grew up most of my life in foster care and living with family memebers. My mom use to ask me all the time, if anybody touch you than you let me know. However, I never did at the time because of FEAR. If I could turn back the hands of time I would of said something. I would of told her everything but now I speak. Over 25 years later I have found my voice. I dont care what people say or if they refuse to talk to me because of it. I know the truth and I stand by the truth.

I honestly havent talked to my cousin yet. However, when I do I will tell her I forgive her but I will never forget what she did. Also, as an adult I have come to realise that I know the same thing had to happen to her. There is no way a child her age would think to do something like that. 

As adults we are pretty close cousins. This might change after I say something to her, because if she denies it an anyway I will never speak to her again. 

Now that I am speaking I hope my voice is heard. And people realize sometimes sexual abuse can happen in many forms. Child on child and even same sex family members. This happens more than it should. I know my mom had been molested as a child too. And my older brother came close to it happening to him. And I know my younger brother did too. 

At the end of the day, this world is crazy. Just because you think you know somebody you really don't know them. If you have children be veryyyyyyyy picky as to who you let watch them. If you have two children playing tell them to keep the doors open. And check on them periodically! Although you can never protect your child from everything, it's good to take precaution. 

I never thought in a million years I would open up this much in a blog. This a natural place that I can release and let it all out. My post can drastically change but this all to help everyone out there. We all may be struggling with different forms of live's curve balls. No matter what they may be just speak! And stand for what you believe in. And seek professional help is a great idea too. 

I am still healing, I am still loving myself. And I am still standing true to myself as well.

Monday, October 16, 2017

*52 Savings Challenge*

The 52 week savings challenge is an awesome way to save money. I started on my journey around April of this year. And I plan to finish by Nov 3rd of this year. I keep my chart on my refrigerator to keep me motivated daily. Once I complete a week I highlight it from the list. And I also keep track of how much money I have all together. I keep a screenshot on my phone letting me know how much more I need. And sometimes if I know more money is coming I despoit more money in my account. That is the reason why it won't take me a full 52 weeks. Also, I opened an high yield savings account. That way I could make interest off of my money. Instead of having it in a big bank. Next, I added all my CC interest credits to my savings as well. That helped me a lot as well. 

The last thing and most important is to cut out unnessary spending. My biggest ones were eating out. I cook my meals at home now. If you write out your budget and stick to it that will help. I can talk about budgeting later. 

Saving is fun you just have to stay motivated, and know your end goal. I keep myself focused on my savings goals because a smart woman is a financial savy woman. Yes, I had to turn down several trips this year but my main goal was bigger than traveling. Once you have a goal you stick with it like I said. And now come Nov I will have extra funds in my account๐Ÿ˜ ๐Ÿ’ฐ. 

Friday, August 18, 2017

*My Niecey Pooh*

My niece is pretty, funny, and adventurous. I love her to the moon and back!