Way Back Wednesday – From Chaos Comes Clarity

7 years ago, myself and 100+ colleagues were laid off suddenly via All Hands email, without being paid for the last 2 weeks of work and any accrued vacation time.

I was stunned, and SCARED! I had just been diagnosed as a Diabetic less than a year before, and the prospect of being without insurance was terrifying!

Thankfully, I did get a new full time job soon after. But inside of me, something clicked. I resolved to NEVER let myself be that financially vulnerable again. I PROMISED myself that I would find a way to be financially healthy and not at the mercy of another person or company.

So when a GREAT opportunity came my way a few years ago, I decided to take it! This opportunity went by the name of Beachbody.

The supplemental income that has come from working a few hours a week from home as a part time coach has given me new confidence as well as a healthier financial future. Just by taking care of my health and sharing my journey with others, I have been able to save money, save for amazing vacations with my husband, comfortably buy a house, pay off some debt…

All of these are great… but PEACE OF MIND is the most valuable one!  I know that I have the ability to continue to earn, and save, and prepare for rainy days. I’m in charge and I can create the future I choose.

7 years ago, there was a lot of chaos surrounding my life. But from chaos, comes clarity. I am no longer at the mercy of anyone else, and that’s powerful! 

Have you ever felt like you were at the mercy of someone else?

Finally!

This is years and YEARS in the making… introducing, my new baby! 😍

I have wanted a Mac since I was a teenager (I’ll let you do that math!) In college, many of my fellow design students had them, and to say I was jealous…

But let’s be real… Macbook’s are NOT cheap. I could not justify the expense, not when I had credit card debt, and student loan debt to be paying off. Being smart financially is NOT always easy…

But I worked REALLY hard to pay my credit card debts off – and this was gonna be my treat to myself, especially because this would help me with everything, my business included.

I wasn’t YET ready to make the splurge… but then a couple of weeks ago, I accidentally kneeled on my current laptop, effectively shattering the screen into a million fragments, and rather than toss money to repair it when I was planning to get a new computer anyways… I made the jump!

Fun fact: when your new MacBook Air is scheduled to be delivered between 2-6 November, but instead comes super early on 30 October, while you have no power and can’t do a damn thing with it for 30 hours? NOT SUPER FUN, a little on the taunty side… 😉

And yes, I am IMMENSELY proud of how hard I have worked to pay down my debt, and purchase my computer in cash, completely paid for – the beautiful result of HARD WORK to build my business and make SMART financial decisions!

What is something you are working towards crossing off YOUR vision board?

 

Truthbomb Tuesday – Traveling

Mmm, yeah, this about sums it up! Part of why I am working so hard to grow my business and give myself financial freedom is so we can travel more – I envision traveling all over with my children, like I did with my parents!

So traveling may not always be free (though with my Coach business, the potential is there to earn free travel!), but by working hard and growing my income, it IS more affordable and much more possible (and, I am assuming, a lot more fun when you aren’t needing to put it on credit cards!)

Did you travel a lot as a child? Do you travel more as an adult?

Fuck Yeah Friday – Zero Balance!

EFF YEAH FRIDAY!

This… is a B E A U T I F U L sight.

I owed the most in personal credit card debt, to this company. I owed them 4 figures, 6 if you add a decimal. And at some times, it felt like I owed them my life, and I would owe them forever…

I owed, and owed, and owed. So I paid, and paid, and paid. And then paid it off last year, for the FIRST time…

Then I shopped… some unforeseen situations arose… and we took a vacation, and I found myself having a balance again. It FELT like I blinked and it was back to 4 figures…

And I said nope, not anymore. And I set a goal to pay my 4 figure debt down AGAIN, and finally be free from the financial chains that bound me to this company.

And in the 10+ years I have had a card with them, this is the first time I have had a zero balance long enough for my statement to reflect that. And oh… those ZEROES. I chased those babies. I worked my tush off for them. I even made sacrifices, instead staying STEADFAST in my quest to pay OFF my credit card debt, ALL of it. My supplemental/residual income made it so I could do JUST that.

And I did. And there is really nothing like that feeling. They get bupkis from me this month.

That… is a feeling that cannot be classified as anything less than fucking amazing.

Eff. Yeah.

Financial Freedom Friday – Entrepreneurship

I remember TOO WELL the soul-crushing feeling of having to pay my BILLS with CREDIT CARDS, the same credit cards I had been working my ASS OFF to pay down.

And I remember the actual anger I had over the fact I had to do that despite no wrongdoing on my part, anger over the fact that I wasn’t getting the paychecks I EARNED for hours I actually WORKED.

And every day, I let those feelings fuel me. Every day, when I am tempted to make a silly financial decision, I think to how it felt to have no savings; to be wholly unprepared for fiasco’s such as the one I found myself in. Every day, when I am asking myself if entrepreneurship is for me, I remind myself that it’s what propels me towards financial freedom, so YES, it’s worth every frustration, every late night, every rejection.

It’s not easy, but worthwhile things never are. And financial freedom is DEFINITELY worth the hard work I put in, and if I ever question that, all I need to do is think back to how someone else’s mistake affected MY financial landscape.

Financial Freedom Friday – Quietly Building

I am not just DREAMING… I am DOING.

I am more of a quiet hustler… not completely silent, but I am quietly moving along and doing girl boss things.

Being surrounded by like-minded people last week has only strengthened my resolve to achieve financial freedom. And its only been recently that I started to truly believe it was possible. I knew it was before, too, but we kept going 1 step forward, several steps back, and it was discouraging to some degree.

But here, in the now… I know it’s possible. I know it’s in motion. I know it’s not overnight, but I know it is happening. I am working hard, and quietly but seriously building the life I WANT, not the one given by default.

Are you? Do you want to be? Do you think we could do it together? Because… I DO! And I would love to!

Financial Freedom Friday – Can’t Be Laid Off

Having recently been laid off due to funding, (and then picked up by another company, gratefully!), I will say it’s still terrifying and stressful, but there is also a peace of mind that comes along with knowing I have been steadily building my Beachbody business towards profitable. It feels really good to have a backup plan; to know that in a sea of things I cannot control, that’s not one of them – I can’t be laid off from Beachbody! I’m the boss!

I mean, I was asked if I would go to coaching full time instead of looking to continue my industry work elsewhere, and while I would LOVE to, my financial situation isn’t there yet, and I would hate to go backwards – into MORE debt, instead of waiting until I am debt free and doing it the proper way.

So yes, it is a goal – to someday be the only boss I have, and not be at the mercy of funding, or contract disputes, or anything else. But not yet – for now, I am happily dual-hatted 🙂

 

Financial Freedom Friday

Uh yes, this WILL be my husband and I once we achieve financial freedom. Often! 🙂

I have been transparent about my debt – personal, and student loan debt. It has crippled me for a long time – in fact, I have never had a debt free day in my adult life. I have had days where I had no credit card debt, but I had 5 figures in student loans.

Sometimes, I feel like I will never get out from under my debt. Other times, I let chasing that feeling of FREEDOM fuel me, and I find it in me to keep going, because there is literally nothing I want more than to experience a day without debt, of ANY kind.

The thing here is, it takes time to build a business, and to that effect, it also takes a little money, too. But I will be debt free someday, soon. I WILL know the feeling of knowing I am no longer paying interest on debt, or maintenance fees, or any of those other infuriating nickel and dime charges that show up monthly.

You know why, and how I know? Because it’s all up to me, and I have yet to let myself down. I falter, I get frustrated, and I fail… but I pull up my bootstraps and keep going.

Because there is a thing called FINANCIAL FREEDOM, and I intend to experience it. And so I am grateful to Beachbody for giving me the platform with which to do so.

You might have your challenges, your frustrating moments, but you gotta power through them… there IS light at the end of the debt-tunnel!

Join me!