No, that’s not really my name. See my first post New Beginning for the details.
I am a 36-year-old teacher who sat down one day to look over her finances and finally realized that something had to change. I have spent the last 18 years of my life making poor financial decisions – and I am PISSED. But that anger was the motivation I needed to start looking at the problem and finding ways to fix it. I may have made a LOT of bad decisions money-wise in the past [constantly charging on my multiple credit cards; only making the minimum payments on my debt; and worst of all – relying on payday loans to help pay the bills from month to month], but starting today I can make better choices, SMARTER choices – and with hard work and patience, I will become debt-free!