Get your finances in order, and get on with your life!
I have made every single financial mistake that can be made. Never built an emergency fund, never invested, went out to eat almost everyday, maxed out credit cards, and paid only minimums.
I didn’t live like a millionaire by any means, but I most certainly lived way beyond my means. All until one night when my apartment flooded
The Night That Changed Everything
My apartment flooded during a particularly bad financial time. I didn’t have any money in my checking account nor and credit available on any cards. When we called the landlord they said to rent the needed things and take the cost of the next rent check. Seemed like a easy thing except we didn’t have the money to rent the equipment.
We ended up borrowing money from my parents, all of $50, to take care of this emergency. It was embarrassing, humbling, and an experience I never wanted to go through again.
I then took to the web reading everything I could find and not just reading but actually changing thing.
What I’ve Done To Cut Costs
At first all I could do was cut costs, the thought of getting a second job and making more money terrified me with my already busy schedule. I stopped eating out everyday, started taking my lunch to work, and started cooking from scratch.
Food was by far the most expensive thing I was spending money on, so learning to cook was the best option. I love to eat good food, but didn’t want to pay for it anymore so I had to learn how to make the same things.
At first the food I made was absolutely terrible, cheap but terrible. Over time and lots of practice I was able to start making food as good if not better then the restaurants that I used to regular
The many things that I did to cut costs helped a lot, really plugged the wholes in my financial sinking boat, but now there was still a ton “water” (debt) to pay off so more was needed.
What I’ve Done To Increase Income
Before I proposed to my now wife I worked a second job for 6 months in order to save for her engagement ring. It nearly killed me mentally and physically and I never wanted to experience that again. However, I needed to find a way to increase my income without going through that again.
The first thing I started was driving for Lyft and Uber, rideshare services that allowed me to make an extra $100 to $200 a week with little real effort. Still wanting to do more I also started my own blog as well as freelancing in order to make even more money.
What Will Be On This Site
This site is the next on the list of things I’m working on in order to help other people with their finances Whether it’s people who were like me and need help digging out of a whole. Or people who have done everything right and need advice on what to do next. We will review financial apps, and online tools, as well as different ways to make and save more money.