Into the positive

It’s time to get serious about my finances and get out of the negative and into the positive. I never had anyone teach me about money and I’ve been learning as I go. I’ve made numerous bad decisions and got myself into debt. There was a time when I thought I would have to declare bankruptcy but I promised myself I would never do that. My mother met that fate and I do not want to follow in her footsteps. My income has increased over 20% in the last two years and yet I still live pay check to paycheck. This should not be the case. I know I can do better…