​Momma we made it 🗣️! 2021 is here. ⁠
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2020 flew by! I feel like I blinked and the year which threw every single thing at me was over. ⁠
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2020 was tough but it brought so many great things:⁠
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✅ Marrying my best friend @hokagekb⁠
✅ Buying a house⁠
✅ Growing and stabilizing my business ⁠
✅ Finishing graduate school (for now anyway...maybe Dr. Bell one day)⁠

​A lot of people believe that if they just had a little bit more money then it would change their entire financial situation...but what if I told you that no matter how much money you had you would end up in the same place if your true problem is spending?⁠
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Overspending is the reason why about 77% of Americans carry debt year over year. You are not alone in your struggle to become debt-free. ⁠
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A setback is the first step to a major comeback! ⁠
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I've been there y'all. Literally looking at my bank account like...⁠
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❓ What did I get myself into?⁠
❓ How am I gone get myself out of this?⁠
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I didn't realize at the time that I was literally setting myself up for my comeback. I had reached the point where I was tired of making poor decisions. I was ready to go from carrying a credit card balance every month to knowing that I was financially secure every month. ⁠
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If an emergency happened, then I wanted to be prepared. ⁠
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​​Cutting expenses is the fastest way to free up some money. However, determining what to cut can sometimes be difficult. ⁠
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I knew that I wanted to cut expenses but I wasn't sure how. Fortunately for me, 2020 had some surprises, I now make my own coffee and I do my own mani and pedi. This allows me to free up some extra money to help reach Kitrick and my goals. ⁠

I paid for this trip to Cancun, Mexico without going into debt. I used my credit card to earn points to travel in the future and then I paid off the card before the bill was due. ⁠
Two years ago, I would've swiped and told myself "I'll pay it off before the end of the month", knowing I wasn't!
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How many of us have been there? How many times have you made this false promise to yourself?⁠

​Can y'all relate? The pandemic came in without a care in the world about our 2020 plans. I knew that nothing is certain when the economy is hit. @hokagekb and I immediately started talking about how prepared or unprepared we are if one of us lost our jobs. ⁠

​This pandemic said girl I do not care about... ⁠
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