So here I am almost 100 and still don’t have my emergency fund(6-9 months of living expenses) in place. Shoots I don’t even have my $1000(baby emergency fund) set aside for any unexpected expense. But all of that is going to change starting NOW. Well not this minute now, unfortunately, but as of now I am starting my journey to being debt free and having my emergency fund in place by Dec 2016. Note: always be realistic with your goals and always set a dead line :). So with that goal set now is time to revisit some advise from the experts. My personal favorites are Financial Peace by John Ramsey and The Richest Man in Babylon by George S. Clason. These are my favorites mostly because they simplify a goal that sometimes feel insurmountable and they’re both very easy to read. So, let’s get started with this journey.

Step 1 – Create a budget

Step 2 – Make list of ALL outstanding bills, even that lil $20 you have for your sister

Step 3 – Work of getting that $1000 baby emergency fund put aside. This takes time of some people aka me :).

Step 4 – Find ways to supplement your income, another job or ask for some over time shoots you can even try selling some of the things you have but not using.

Step 5 – Start cutting down on debt, starting with the one with the highest interest rate.

Note: continually save where ever you can, I’ve given up cable TV for a few months, sticking with internet only. It’s easier than you think. Really it is!

You would think having all this information I would be well on my way to financial freedom, but that’s not the case. You would even think I have a legitimate at least, but no. Not really! I am a spendthrift. I love pretty dresses and high heels and expensive bags. Oh and electronics and sexy underwear and pretty much all kinda things really.  So starting today, today is payday 🙂 yay, I’ve started my journey. You’re welcomed to join me .