Posted in credit repair, Debt, Finance, Life, money

Paying Off Debt Quickly Using The Snowball Method

Using this method, paying off debt can be done with fast results and skyrocketing credit scores

A lady exasperated by her debt, trying to figure out how to pay it all
Canva

We are what we repeatedly do. Excellence, then, is not an act, but a habit.

-Aristotle

A debt snowball is not a crumpled up wad of bills for you to throw around in the snow. It is a debt reducing strategy that I learned from financial guru, Dave Ramsey. I have tried almost every financial strategy in existence and this one is the one I recommend to my financial or credit analysis clients.

Using this method, paying off debt can be done a little at a time for faster results and skyrocketing credit scores.

Step 1

Add up all of your debt and allocate them into categories such as credit cards, medical, collections, loans, etc. Then further allocate them by the ones with the highest interest rate down to the lowest. Use the method on each section or, if you can only do one at a time, start with the debt that has interest on it.

Step 2

Pay the minimum payment due on all except the one with the smallest balance or the highest interest rate. I would recommend sorting first by interest rate and then by balance to save the most money in the long run. However you decide to do it, pick the one to pay as much over the minimum payment as you can afford.

Repeat until the first debt is paid off in full.

Step 3

Repeat the first two steps over and over with the remaining debt until everything is paid off and you are one of the rare, debt-free individuals that we hear about so often.

After that final debt is cleared, you will be amazed how fast things got better for you financially and regretful for how long it took you to do it. Suddenly, you’ll be in the position to buy something that you need when you need it and use cash. Being debt free is an amazing feeling to have especially if you have almost drowned from it before.


That doesn’t sound like a big deal to some people, but I know many, many people who pray for only that circumstance to happen in their lives before they die. They just want a chance to not worry constantly about making ends meet for a few moments in their life before it’s over.

I am a definite realist and true unbeliever in fairy tales. So, please believe me when I tell you that this goal is attainable for everyone. Anyone willing to put in the work can make this happen. As with anything else, small changes and/or steps done on a consistent basis will quickly lead to great accomplishments.

My favorite financial quote has always been, “It is not how much money you earn, but how much you don’t spend that determines your wealth.” It is also a quote that I have heard from my brother 1 million times so it has stuck in my head. Which reinforces my point that anything we do repeatedly becomes an action.

Posted in Life

Aging Is Terrible, But Amazing

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Being a vibrant, head-turning woman is almost a memory for me. I have since faded, turning by shades into a middle aged woman with affinities for animals and gardening. The smaller my beauty becomes, the larger my mouth and personality gets. With something lost, something is gained elsewhere I suppose.

I envision myself at 80 and the images my mind creates are all vastly different from the next, causing my emotions to fluctuate between fear, sadness, pride, and contentment. In one vision, I am eighty with pink hair. I yell at whomever I decide deserves it and take no shit from anyone. I hang out with my other old friends all the time and am spoiled by my children and grandchildren.

Another vision of 80 me is quite different. I am sitting in a one bedroom apartment that is subsidized. I have almost no food, no visitors, and nineteen cats. Every day is the same as the one before. I am just waiting to die.

I don’t know what steps to take to get to the vision I want to live out, but I’m going to start with continuing to live f&*k-free. I will act silly, laugh when I want to, and continue not to conform to other’s ways of living. I am original, as we all are, and have no desire to fit the mold.

This is my plan. At 65, I will go ahead and get those really cool glasses holders that dangle and start dressing like Stevie Nicks. But a redneck version, obviously. I will be way too cool to ever join the Red Hat society. I will start my own spinoff called the Turquoise Sombrero Society.

At 75, I will start dying my hair red or purple. I will fight every instinct in my body to go get a curling set at the beauty salon on a weekly basis. Maybe then I will set the stage for the cool old me to come out. haphazard as it may be, at least I have a plan of action.

I am trying to focus on the present instead of longing for the past. With age, I have developed into the person I have always wanted to be. I hope that eventually I have grandchildren and I hope I get to see my children walk down the aisle or across the stage of their choosing. Unfortunately, some family and friends that I thought cared have proven otherwise. I am learning to let go of the bad to make room for better to find it’s way into my life.

One thing I do know is that life is short and I intend to savor the rest of mine.



Posted in Content, Humor, Ideas, Life, satire, tips

Public Service Announcement



Articles are meant to share information, tips, and opinions. This one is important to my heart. It is a list of the items I think should be made to be common sense knowledge at a minimum.

Teach it in school, teach it at home, blare it from loudspeakers in North Korea, and replace all media ads with it. I don’t anyone to be able to claim ignorance anymore. We are all put on this Earth for a reason and I know what mine is.

Best case scenario, this would become criminal activity. I have about 18 laws I will recommend we take off the books if we can have these in their stead.

Kylie’s Public Service Announcements

1st offense — Warning

2nd offense — Life in prison

Backpack

You, good sir, are not a backpack. So, kindly remove yourself from being one millimeter from me while we are standing in line at the gas station. Standing closer to me won’t get me done with my transaction any faster.

I do not like feeling your breath on my shoulder. “I beg your pardon, Sir. Please remove your breath from my neck and fuck off a few feet back.”

Even with the pandemic and the six feet away rule in place, it does not stop some people. These people are primarily at the gas station and Wal-Mart for some reason.

Holding The Door

Look, I am from Georgia and no one appreciates a gentleman more than us. But if I’m 500 yards away in the gas station parking lot, please do not hold the door for me. I do not want to do an awkward run/walk across the parking lot. Then you will not be standing there holding the door for five minutes straight.

We all appreciate what you’re trying to do. God sees you and we all see you. Just cut it out, though. I am not trying to run.

Hygiene

For god’s sake, please brush your teeth and bathe. Dousing yourself in cologne does not count as bathing.

Some of us can still smell so please have pity. If you are not sure if you smell or not, ask yourself when was the last good scrubbing you had. Or ask a friend or a family member to tell you.

Lady with cardigan with her head bent and hair astray.
Photo by DANNY G on Unsplash

Cardigan

Just because I like to wear a cardigan does not mean I am a librarian. I work on the south side of my town and apparently they equate every white person in a sweater as a librarian. Make no mistake, my street CRED is unparalleled.

Cardigans are amazing. If you are hot, you can take it off. If you are cold, you can put it on. You can buy one in every color to go with every shirt that you own. Stop the hate against cardigans.

And also, calling someone a librarian is not an insult. There’s no shame in being smart or appearing to be smart. I just don’t like the ignorance of cardigan shaming.

Lottery

For the love of all that is holy, please play your damn lottery during working hours. Not right before work starts or right after work ends. We have jobs to get to and don’t have time for you to pick eight number sevens, five number threes, and eight number twos.

And please tell me how the hell you manage to have the money to play the lottery every day when you don’t, apparently, go to work. I’m talking to you, weird creepy guy that hits on me every day at the gas station.

Get a job. The chance of you getting rich is much higher that way. The chance of you scoring at the gas station is much higher that way as well.

A scratch off lotto ticket on a table.
Photo by Emiliano Vittoriosi on Unsplash

Messenger

I have touched on this before. It’s still an issue. Facebook messenger was not invented for the sole purpose of harassing women on the internet. At least I don’t think it was.

Regardless, it is absolutely the most annoying thing that has ever happened. Even though I find some small pleasure in rebutting the advances of said weirdos, I wish they would just stop already.

I’m sure there are women that have used this for that as well, but I have never heard of one in my life or from someone I know. Just last week I had a man asking me to use him financially, no strings attached. Now if I was a younger, dumber version of myself, I might’ve fallen for that.

I’m 41. I know there’s no such thing as no strings attached. So, sorry Buddy, you’ll have to spend your paycheck on yourself or some other lady that believes you will leave her alone and just hand her the money.


These are just some of the most urgent items I must fix as your new leader. I mean, someone should do something about these issues.

So call upon Congress or write me in for the next election. The choice is yours.


Posted in Content, Humor, Ideas, writing

6 Tools For Content Creation

Made Using Canva – I don’t know how to use a typewriter.

Is it inspiration or plagiarism?

As much as I hate the articles that everyone writes on the same topic, I feel like no one is using the tools that I use to increase creativity and productivity. So, I have come to save the day. I’m gifting you with a list of the tools I use to be creative and productive.

White Wine

The tipsier I am, the more enjoyable I am. To others and to myself. Having a slight buzz also makes me really good at pool/billiards. That is in addition to evolving into a content ideas machine. If it makes sense to me, then it’s done it’s job. Also, I am a lot nicer after a glass or two at the end of a long day. Or 10:30 am, if that day is particularly stressful.

Image for post
Photo by Maksym Kaharlytskyi on Unsplash

Parenthood

Every story I have that nobody believes is a result of my children. The impossible can and will happen as a result of their malarkey. My constant inability to know what the hell to do is a never-ending abyss of article topics.

Celexa

Don’t judge me. How do you think I have parented all these kids by myself? Or mostly by myself, until I got remarried recently.

Celexa is amazing in my opinion. I’m pretty sure I would not be who I am today without it. Alive, that is.

Music

Music is life and gets me all up in my feels. I use these emotions and images that they invoke to stimulate ideas. For example, when I listen to that Adam Levine song, I imagine what my life would be like now if I had met him when I was 20. Then, suddenly an article on why men should have tattoos forms in my mind.

Social Media

I lurk and I hide behind my phone screen while scrolling the comments on social media. I have Instagram, Twitter, Pinterest, and Facebook. Facebook is where I really get a good view of drama. Twitter provides me with comic relief and surprise at the sheer venom of strangers towards one another. They all provide me with content.

Tenants

I am a property manager of many rental houses in every socio-economic class in my city. This provides me with a plethora of stories, excess stress, sometimes bruises, and dumba** stunts to use in my content.

For instance, my tenants inspired this article.

https://link.medium.com/JHLkfs2Lv9

I hope that my tools will prove to be invaluable to you. But, if they aren’t, please don’t leave rude comments like my first experience with a troll this week. She left a rude comment and then immediately blocked me so I couldn’t respond. She obviously has issues.


Another article for your reading:

https://medium.com/live-your-life-on-purpose/aging-gracefully-ed738158cc25