Baby Steps

I guess the first step is admitting that I have a spending/saving problem. I have read the books, know the theory, I mean I want to be an accountant but at the tender age of 23 I have surmounted an unexcusable amount of debt: $11,288.33.

Yeah I am in school, but that is amount is solely on credit cards. Essentially, I am borrowing from my future to live in my present. That is not a creditor I am willing to continue engaging with.

This is my journey. I hope my steps may help others along the way.

Thanks to my mum, I found this message board, the Women in Red, on MSN money.

Thank you mum and MP Dunleavey. May this be the introduciton to my success story.