The first thing I did to tackle my mounting debt, admittedly was daunting. My god this scared the life out of me. Because although I knew who I owed money to the amount was always a ball figure in my head. Part of the reason I’ve never dealt with my money problems is because I was actually afraid to know exactly how bad things have gotten.

Side note: I began to get seriously obsessed with my debt and stumbled upon the one and only Dave Ramsey and his baby steps https://amzn.to/2XvXhmn. I’m writing this in August 2019 and I can honestly say this man has changed my life. Sometimes it’s good that google listens to you when you speak lol.

So out of my head and onto a bit of paper for me. Boy did I list these bad boys. As I sat back and looked at my work. I proceeded to apply The baby steps method to my list .

To be continued ….

Gather all of your debts!

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