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My financial journey began in August of 2019 out of NEED.

I realized I could not afford to pay for both my car payment and student loans at the same time.

There was no way!

If I juggled both bills at the same time, I would have no money left at the end of the month after all my essential bills were paid. Luckily, I realized this while my student loans were in forbearance, but it would be ending soon. This meant I needed to pay my car off quick, fast, and in a hurry or I would be in for a struggle. 

Disclaimer: I am not a financial expert. This is information that I have learned through personal research. I will do my best to include sources for information that I have obtained.

The first step to improving your finances is to be aware of where you stand. This means knowing your income, your essential expenses, your assets, and your liabilities. Many people do not know these numbers for many reasons, but to get in control of your finances you have to know where you are to get where you want to be.

In this article, I am going to help you figure out these numbers, so you can begin taking steps to build the life you want. It will also make it easier to track how you are improving over time.