The beginning....

     Hey I'm no expert. I'll definitely be the first one to point that out. I feel like I have been living my financial life hitting the snooze button over and over again. I feel myself hitting the snooze button every time I think "hey I don't think that I can afford the required summer camp fees, but I'll just wing it". Just wing it was my motto for a very long time when it came to rent, utility bills, and child care fees. Then comes the real wake up when you are a month late on fees and your parents are sitting you down to tell you that they will just have to take the loss and pay for it themselves. Embarassing! So here I am a year later. I am in debt for school loans and mostly credit cards. I have no official degree to speak of and because of all this I am also living at home again at 29. All I ever did was spend, spend, spend and I burned a lot of bridges in the process. At this point I have begun to claw my way out of this hole, but it is going to take a long time. So I write this blog for me and anyone out there who is in the same situation. Maybe my posts can offer someone some comfort. God grant me patience in my journey.