June 14, 2019 will go down as a glorious day in my fiscal life! It marks the day I made my last payment on my bankruptcy! I hated seeing the money leave my account so quickly, but boy do I enjoy being able to say that I can start over and show my true financial knowledge and responsibility.
It’s been a long and hard road. I’ve learned so much and I am in literal fear of making the same mistakes again. I think back on my negative balances, the literal few dollars and change in my accounts, the past due, the delinquent, the closed, the summons, repo’s and garnishments; Thank God I was able to overcome all of that over the past 15 years. I still owe my student loans and honestly, that’s what I will indeed tackle next! That’s going to be my biggest challenge yet and I will not lose!
The first major purchase I want to make is a truck. The truck I’ve always wanted. It’s been on my mind for at least 10 years and I’m going to get! I’ve done the car thing wrong a few times before and now I finally have an opportunity to do it right! The key is making sure I can afford it twice and no matter what happens in life. That was something I never did before or did incorrectly and every month became vital.
The most important thing for me right now is knowing that I am not going to die with a bunch of debt that my family will have to take care of. One of my greatest fears is dying broke with debt. I’m on an everyday mission to face and defeat that fear and it all starts today!
So it’s time to plan for ownership and necessity. It’s time to experience destination and luxury. Time to live life and finally enjoy the fruits of my labor. What a time to be alive!