One Step Closer

One Step Closer

Do you dream of being debt-free? 

Owing nobody nothing? 

Having the freedom that your paycheck is REALLY yours? Do you dream of the day you can give, spend and save what you decide to?? 

I DO!!

Well, our family one step closer to that reality!! We just paid off the last of our “consumer debt”. No student loan payments, not credit card payments no car payment!! Next up we will tackle that mortgage!!  

 

I share that to encourage you to join on us this journey to freedom!!

 

Dave Ramsey says that Taking control of your finances is 80% behavior and 20% head knowledge.

 

We ALL know what we need to do. We need to make a budget- and stick to it. We need to spend less than we make. We need to save more….

 

The problem isn’t knowing what we need to do it is actually doing it! 

(and maybe a little guidance in the how to do it)

 

We have been down that path for sure. We created the plan… and stuck to it for a while…but then we got off the plan. Then we got back on and….

 

Similar to yo-yo dieting. We became yo-yo budgeters. LOL

 

What that meant is that it took us longer to get where we are…

And of course, we are still on the journey to FINANCIAL FREEDOM

 

But we still got here.... and we will finish this journey!

 

So, if you have given up, taken a different path, made a “bad” financial choice, or found yourself in a bad situation with limited options- YOU CAN STILL FIND YOU WAY!!


The Financial Peace University was a great resource for my family- really ANYTHING by Dave Ramsey is sold biblical- financial advice!

 

When you change the way you think and believe, 

then you change the way you act.” 

— Ken Coleman


WHAT DO YOU NEED TO DO TO GET BACK ON TRACK? WHAT FINANCIAL GOAL ARE YOU WORKING TOWARDS?

Love this info? You will love my guide "5 Ways Less is More" check it out here!

Debt as Slavery

Debt as Slavery

What do Publiluis Syrus, Andrew Jackson, Ralph Waldo Emerson, and Ezra Pound all have in common? 

 

Their words of WISDOM on DEBT and Slavery

 

Debt is the slavery of the free.” ~Publiluis Syrus


“When you get in debt you become a slave.” Andrew Jackson


“A man in debt is so far a slave.” ~Ralph Waldo Emerson

 

“Wars in old times were made to get slaves. The modern implement of imposing slavery is debt.” ~Ezra Pound

 

They all spoke about debt existing as a form of slavery. 

 

Even Proverbs 22:7 states that the borrower is slave to the lender

 

So WHY has debt quickly becoming a new form of modern slavery in this country when we know the DANGER? 

 

People have become increasingly more willing to borrow to purchase consumer items and lifestyle enhancements before they actually earn the money. Huh? What did I just say?

 

We spend money before we earn it. 

 

And its close cousin is true also...

 

We spend more than we make.

And let's not forget those od us that just don't save 


Although most people would agree that debt is not good- it still has a chokehold on so many of our friends and family members. Most normal people are just plain broke. 

If you’re in debt, you don’t have the FREEDOM to use your money the way you want.

72% of Americans have debt. Let’s take control of our money once and for all! It may not be easy but it is possible. It requires a plan, determination, and consistency. 


According to Dave Ramsey, “Winning at money is 80% behavior and 20% head knowledge. What to do isn't the problem; doing it is.”

 

So, How do I start?

First things first- cut spending. Not fun I know... but just think about how a temporary sacrifice can give you freedom later!

Next- sell things you don't need, don't use or don't like. Dave Ramsey has been quoted, "Sell so much stuff the kids think they are next." LOL
Finally- seek out another stream of income. That can be working overtime, a parttime job, babysitting, making and selling something or starting your own small business. If you don't like your current employment start to think about what you do enjoy doing. Sometimes we need to do things we don't enjoy for a season, but we should always be looking forward to creating the life we desire.  
(Check out my OolaLife Challenge in my FB group Break Free & Live if you want a more balanced life. The challenge will help you create a plan to get you to where you want your life to be)

Stop Creating Debt and…

Create a starter Emergency Fund of $1000

 

STOP: don't roll your eyes and dismiss this advice because you think you could never save $1000!! Often times an unexpected expense causes us to go into debt. If we have a backup plan, an emergency fund, it gives us that buffer we need to avoid pulling out that credit card. But first, we need to stop pulling out that credit card for items that we don’t have the money for…. And for a season I propose cutting spending to needs only so that you can put money aside for those rainy days. 

So, Where do I start?


Do you currently have an emergency fund?
 

Love this info? You will love my guide "5 Ways Less is More" check it out here!

To access the OolaLife Challenge which will launch April 1, 2020 click here.