Taking responsibility for my current financial circumstances has been a challenge for me but a very important step that must take place, being successful is not success if you are failing in areas that matters most. When I was twenty years old, I received my first credit card with a $500.00-dollar limit which at the time I thought was a lot of money and would come in handy. In the beginning I was on top of all my charges and payments were made on time I was proud, and my only goal and purpose was to make sure that I never missed a payment. I received another offer in the mail a few months later for a $1000.00-dollar limit this was a lot in my eyes, but I feared messing up my credit so bad that I ultimately did just that. This was very tough for me to accept I would avoid talking about it, it has been that one thing I avoided for years, because I felt embarrassed, I felt anxiety every time I thought about how I needed to fix this problem. This was a problem because I was very aware of how important good credit having is and without it, I would be setting myself back for major goals in the future.

 Today as a twenty-five-year-old mother, wife, and entrepreneur the thought of creating a solution for this problem would always come to mind and time after time I gave myself an excuse or something else to focus on. In the last few weeks since declaring that in 2019 having consistency in all areas of my life was my main goal the guilt of being in debt kept showing up. The first act of control I took was putting on my vision board my financial goals, secondly, I in order to create the solution I needed to face the problem. The way I show up in one area of my life is how I will show up in all is a phrase that replays in my head multiple times daily as a great reminder that  even when we believe we can be organized in one area and be a mess in others do that long enough and we will see how the mess starts pouring on into the areas you do have under control.  The irony is that this time around my thoughts were a lot more positive than a few years before when all I focused on was messing up, this time around I am only focused on the solution and making it a great one. I took the next step by setting a date to not only work with a credit repair agent, but also setting up a time to speak with a financial adviser.

I share this today to say energy wasted on worry and thinking about how other people will perceive us is a complete waste of time and energy, put that energy into creating the solution that will make a big difference in your future.  The present is here, and it is for us to enjoy but always make every moment count for something that your future self will be more than grateful for. I encourage everyone reading today to always remember that life is meant to be explored, loved, and filled with a lot of lessons that we should never allow our pride to make us hide behind them with fear of other opinions. It is not what you did in your past, or how many times you fell that matters it is about how many times we had the courage to face them, learn from them and make the necessary changes to rise above. I am on my journey to recovery proud and excited about learning new, are you ready to learn and grow   to make the rest of your life your best life?  We have the power to choose between settling and elevating choose wisely but most importantly enjoy the journey.