You know, we’re halfway through the year and I still haven’t reached all my goals. That private jet? In someone else’s name. Book deal? Workin’ on it. Owning a writers’ cafe? Yah. That’s on the back burner for a while longer. [See what I did there? Cafe? Burner? Sigh . . . ]
So, I’m sitting here thinking, egads! [True story. I actually said “Egads!” out loud. To no one except the fur family. Some days I’m glad they can’t talk English.] But back to it. I’m sitting here thinking, egads! I’ve been so busy I forgot to write Friday’s blog post.
And then I thought to myself, “Self! It’s a Five Things Friday post. You’d best come up with something good!” And my self answered, “Oh, Girl. Don’t bother us. We’re working on the budget.” Okay, it wasn’t all as Sybil-esque as all that, but, yes. Yes I did have a conversation with myself about the budget and paydays and where to find extra cash.
In fact, as I was writing this month’s budget, a nagging thought distracted me until I wrote it out:
Five Things Friday: Pocket Change – Money Comes From Unexpected Sources
That photo above is just a little snippet of my Happy Planner budget sheets. Y’all know my affinity for Happy Planning, yes? Well, maybe that will be next week’s FTF post. Today, we’re about saving pennies. And more.
But it got me thinking. I know I’m not the only who could use a few extra greenbacks. Or a means to accomplish that which must be, well, accomplished. Am I right? Oh, come on folks, I ain’t making this up!
So, in keeping with my striving for a better credit rating and a little fun money [or just a better bag of cat food now and then], here are five easy changes you can make to help save a little dough.
The Penny Jar. It sounds old fashioned, and even I was skeptical about its profitability at first. But when I cashed out my pennies at the end of six months, I was pleasantly surprised to find enough for a trip to the grocery store and gas station. Now, I’m not saying I bought enough for the month with a cross-country drive, but it did get me through the week and with a little sumthin-sumthin to enjoy Friday night. Which, coincidentally, is now my new penny jar.
Southern Roasted Pecan Gelato. Frankly, My Dear . . . Did someone say, “Yummm.”?
Talk. Chat. Discuss. However you want to word it, word it. Communicate. Got bills you can’t pay? Let the payee know ahead of time. Most times, companies are willing to work with you if you ask. Now, you can’t be all i-just-bought-a-car-and-quit-my-job-but-i’m-keeping-it on them. I mean, you do have to maintain some responsibility. But take it from me. You know. You’ve read about it here. When you’re in a bind, explain it. Late fees get waived, due dates get pushed. It’s worth a little time to save a little money.
Sort it all out. Take inventory of what you have, materially, and ask yourself if you really need it. Start small: Take one shelf, one drawer, or one cabinet, and sort it into three piles: Keep. Throw Away. Sell. If it’s in good condition but you don’t need it, consider putting it on LetGo or a local Facebook Yard Sale group. Ebay’s a great source, too. There’s tons of them out there. And if after a decent amount of weeks go by and no one’s bought, donate. Sure, it may not put money in your pocket, but your house will be less cluttered. Clean house, clear mind. Isn’t that a thing?
Explore your talents. Now, I know you’re good at stuff. And some stuff, you’re really good at. And I know it doesn’t always seem like it, but trust me on this: You have something to offer others. So get creative! Whether it’s a service or goods, take time to develop it. Freelance. It doesn’t take much for word to get out if you’re good at what you do. Babysitting, baking, tree trimming, yard care, dog walking. Are you good as socializing? Love to connect with people? Try something like DoTerra or Jamberry nail wraps. You not only get great discounts for yourself on products you love and use, but if you turn it into a business, you’ll get a nice little income, too!
Frankly, My Dear . . . Jam With Mojo
Give it up. There are just some things y’all don’t need. When the decision is between milk or bread, it’s time to stop the Netflix. Now, treating yourself is a must, so get that Redbox DVD once in a while. Splurge for that Starbucks every three weeks. But when you start cutting corners and realize how easy it is to roll that savings into paying off another bill and that snowball keeps rolling downhill . . . pretty soon you’re king of your mountain and those are wildflowers springing up to make things beautiful.
Hyacinth for the Soul.
BONUS TIP: Pay attention to your spending. Don’t just write it in your checkbook or look at your smart phone now and then. Make a budget journal. Keep your receipts. Figure out where and how things can change. Grab a small drink instead of large, especially when the refills are free.
BONUS BONUS TIP: On the morning of each payday, whatever money you have left in your bank account that’s unallocated, transfer it to your savings or emergency fund.
BONUS BONUS BONUS TIP: Barter. You can’t afford everything you need and want. Neither can everyone else in your world. But you may be able to work out a trade. You can wash a car in exchange for yard cleaning. Tired of your DVDs? Trade them with a friend for some new but free entertainment. Money is a means, not an end. When you remove money from the equation, you may find a different solution.
BONUS BONUS BONUS BONUS TIP: Don’t be afraid to ask when you need help. It’s okay to admit you can’t handle everything on your own all the time. No one can. If we could, we wouldn’t need each other, would be?
BONUS BONUS BONUS BONUS BONUS TIP (So really this should be a Five Things PLUS Five Things Friday): Take it all to the Great Provider. I find that when I earnestly ask God to bless my budget, I’m more aware of my frivolous spending habits, and more attentive to being a good steward of what He has blessed me with.
Frankly, My Dear . . . Happy Planner Budget Dashboard
Was one of your New Year’s resolutions to save more money? Yeah. It ranks up there with
Eat healthy
Exercise more
Improve life
It’s hard, though, isn’t it?
You know what? You’re not alone. When I started sharing about my bad credit experiences, I was overwhelmed with supportive and encouraging comments. So many of you were or are in the same boat, and didn’t know it.
We think we’re alone and headed for a comedy of errors like Gilligan’s Island.
To Sea in a Storm by Yourself? It ain’t so.
But the truth is, while our individual situations are unique, we have the opportunity to throw life rafts to each other just with words of encouragement and “been there, done that” talk.
There’s a lot in life that can make us feel bad about ourselves. Keeping up with the Joneses is, in my opinion, one of the worst. Which Jones are we talking about? The one who’s a family friend or the one who lives on the other side of town, you know, the right side of the tracks?
When I have money troubles, everything else is amplified. I can’t buy medicine because I can’t afford the doctor visit in order to get the prescription. Or I feel guilty for munching at McDonald’s but in reality I was hungry and didn’t have time to get to the store on my lunch hour. The phone rings constantly, but it’s almost always “Call from Unavailable.”
It wears a person down, doesn’t it? And when you’re worn down, you can’t always see the solution, if there is one.
Cloud of Negativity
Recently, I made a self-discovery. I told myself, “I’m tired of worrying.” Sure, easier said than done, and yes I do still have those moments.
But I started smiling more and stressing less. I gave myself permission to not feel guilty over the occasional fast food. It was okay if I bought one song on iTunes for $1.29. But then I stop. Then I’ve reached my limit and treat myself to an emotional allowance rather than a financial one.
Spending time with friends, watching a favorite DVD or even just reading a good book is often all it takes to regenerate my broken spirit.
Money isn’t everything.
And then there was the realization of several truths.
You are not alone. I know, I’ve hit on this before. But it’s worth hammering again and again. I am not alone. You are not alone. Believe it or not, people will understand when you say, “I just can’t go out this weekend.” It’s okay to say no to some extras. It’s also okay to say yes.
Patience really is a virtue. Debt collectors are often willing to work around your payment schedule as long as you communicate with them. You can’t expect them to stop calling if you don’t explain your situation. For all they think, you’re a deadbeat. But you’re not. You hear me?
YOU ARE NOT A DEADBEAT.
There are so many things to be thankful for. I have a roof over my head. I have transportation. I’ve never gone a day without food. If you’re reading this, you have internet access. Whether it’s a public library, school, or at home, that’s a blessing.
Being frugal can allow for creativity. It can be simple home decor, clothing options, or cooking a meal. Saving pennies can mean celebrating the lean times. Sure, it’s corny like a country song, but trust me. It works. It’s what led me to write and publish The Unemployment Cookbook. That’s a sweet success in my book!
One of the first things you can do when the money situation gets you down, is tell yourself it’s okay. It’s okay to know it’s there, but it’s also okay to say “I won’t let my lack of money define me.” It’s okay to choose to breathe.
Have dialogue with yourself and your family. Ask the hard questions:
Is this necessary, or a just a social “requirement”?
Is there a cheaper alternative?
If not, what else can we do to afford this?
Then it’s time to be honest with the creditors:
Explain your situation and be honest about how you got there.
Ask for repayment options. If you can’t pay their “minimum” do they have an extended payment plan?
Can they give you a reduced pay-off balance?
If you absolutely can’t pay, be honest. Don’t commit to a payment you can’t make. And don’t get angry at them about it. Those calls you’re getting? They’re just doing their job.
Then stop. Take another breath. And tell yourself, “It’s going to be okay.” Even if you don’t know how. Trust that it will work out. You can be strict without being overbearing. You can be in a financial struggle and still enjoy your day-to-day life.
Choose Your Direction: Stress or Relax
It’s okay to drink of cup of hot (or sweet) tea. It’s okay to buy clothes at the thrift store and make them your own. It’s okay to walk somewhere, or buy a $0.99 box of mac-n-cheese instead of a $7.00 combo meal.
You have a choice. Even when the money situation isn’t getting any better, you have the choice to not let it define you.
Remember, it’s just a situation. It’s not a lifestyle.
Embrace the happy and you’ll see how rich you truly are.
At the beginning of the month, I posted about my experience with bad credit. I expected mixed results but the response was overwhelmingly favorable, and many of you thanked me for my transparency.
Truth be told, I didn’t share everything. Let’s face it: finances are a really private matter. I mean, it’s not like any of us are going to put our bank books on public display, right?
Open Wallet
And why would you? Your life dynamics are just as personal as your wallet. Are you hearing me?
Every situation is different.
So why do the credit companies treat us all the same?
The reasons for my bad credit aren’t the same as yours or your mailman’s brother’s cousin’s dog’s groomer. That’s okay. Neither are the solutions.
Let’s recap, shall we?
I am not a credit expert. I am not, have never been, and have no plans to be: A professional debt collector, credit counselor, financial adviser, or life coach.
I have experienced unemployment, car accidents, medical bills, single parenting, and poverty.
I did not crawl into a corner and stay there. Okay. Yes. I did crawl in. It was ugly. But I didn’t ~ repeat, I did not ~ stay there.
I am slowly and surely finding my way out of my debt and bad credit situation, and as vulnerable as that makes me feel, I’m here to share [parts of] my story with you.
Today’s theme is Communicate.
Use your words, people!
That’s it. Use your words, people! But here’s the thing: Are you putting emphasis on the right word? If I say, “Use your words, people!” what do you hear? Me telling you just to talk. But if I say, “Use your words, people!” it changes, doesn’t it? Now it’s about you and your words. About expressing your situation.
This gem of advice was given to me a few years ago but it wasn’t until this year that I realized the power behind it. And it happened by mistake. Or grand design. I’m not sure which.
One particular evening I was ignoring the many Caller Unknown phone calls. In a moment of silence, I reached to make a call of my own, but as things happen, I picked up a call just as it came in. You know the feeling. Do you hang up? Stay quiet so they hang up? What? What? WHAT??
Being the conscientious authentic tired person that I was, I took the call. It was one of my credit card companies. I know. I’m late. Again. Still. My favorite part (not!) is when they ask, “What is the reason for the delinquency?” I really want to rant. Rave. Rebel. Instead, on this call, I politely said, “You know, you asked me that last month and the answer hasn’t changed. I simply don’t make enough money any more.”
So you know what they did? They laughed. They turned me over to a debt collector. They offered to work with me on an income-based payment plan.
Tired Girl say what??
That WAS easy!
We took a few minutes to review some information. How much do I make? How big is my family? And then, those magic words: We can work with you.
I was so excited, I answered the next call. And the next. Soon, I had arrangements made for several bills. You know what? The phone stopped ringing as much. The nasty-grams slowed down. And the bills are getting paid.
No, it’s not easy. And it’s not simple. I have to make sure I’m on top of my budget and there are times when I can’t make even the minimal payment so I get to swallow my pride, pick up the phone, and ask for more help. But I do it, because it’s worth it.
I don’t want to default or file bankruptcy. I want to pay my own debts. And when I own up to my financial mess, when I let others know the what’s and why’s and how’s of my situation, they’re more willing to work with me.
These posts started the day after I took another call to try to reduce a bill. In my mind, I had created a monster of debt, and I was ashamed and certain that I should just do a George Bailey and jump off the nearest bridge. Instead, I talked to the woman on the other end of the phone.
In the end, I was in tears.
I explained my situation, again. But this was a new company. This debt was transferred to a new collections department. How humiliating.
Except it wasn’t. Because she spoke to me like I was human, an individual. Not like a number or statistic or deadbeat. She valued me.
We all have value.
And then she said something I’ll not forget.
“You don’t know me, and I don’t know you. But I’ve been in your situation. I have. And I’m going to tell you, hang in there. Okay? It gets better. It does. I promise you. It gets better.”
And that’s why I cried. Because I allowed myself the vulnerability of showing my human-ness to a stranger, and she gave it back to me.
There was no condemnation, no threats, no hardlining. Just a person, talking to a person, working things out.
So I’m here to tell you
It gets better. It does. I promise you. It gets better.
Here’s a few simple tips to help you recover your finances:
Answer the phone.
Talk to people.
Be honest about your situation, what you can (and can’t) afford.
Don’t make promises you can’t keep.
Try. Try again.
If the person isn’t willing to work with you, talk to a supervisor. It won’t always help, but most of the time, it will.
Follow up. If you make a promise to pay, pay. If you say you’ll call back, call back. They like it when you’re truthful.
What else can I tell you? You have value. I believe in you. And you know what?
It gets better. It does. I promise you. It gets better.
You know me, right? You know when I usually put up a title it has a different or double meaning. So when you read “bad credit” I’m sure you’re thinking, She can’t really mean ‘bad credit’. It must be some trick word usage like ‘bad’ as in ‘sick’ or ‘awesome’ and ‘credit’ like those things that roll at the end of a movie. That’s it. This Girl saw an awesome movie and she’s gonna tell us all about it.
So, while that’s a fantastic interpretation of how my mind works at times, and maybe in the future I’ll use it as such, this post really is about just that: bad credit.
Here’s the not-so-secret secret. I have struggled with debt and bad credit for the better part of the last twenty-five years. Why am I telling you this? Because I recently discovered something awesome:
I am not alone.
For a really long time ~ and by really, I mean really ~ I felt like I was. And it wasn’t until I started to share my story with people outside my family that the fog of shame and self-imposed stigma started to lift.
I felt ugly. I was having screaming matches with the people who love me and who have, for the better part of these years, helped me in some form or another. My self-worth tanked every time the phone identified “Call from Unavailable.” I was jealous when Facebook told me how others ate out and went to movies. Here I was trying to decide between cat food, a gallon of milk, or a little more gas in the car.
Sure, things weren’t always horrific. I had good seasons that included Disneyland passes, trips to the bookstore, and last year’s writing conferences. Every payday I allowed myself a McDonald’s meal and a Starbucks. But those sparkling gems were few and far between.
Most of the time, I was waking up with anxiety. I’m not saying I grew anxious as the day went on. I’m saying, I woke up that way. I would go through bouts of not being able to drink coffee or eat breakfast because my stomach was in tumbles. I unplugged the phone at home just to get some peace and quiet. I was feeling sick, tired, worn out.
I WAS DONE.
There has to be a way out, right? Or was I destined to always feel like this? Do I attract debt? The answer is yes. And no. There were quite a few circumstances out of my control that contributed to my building debt. And there are habits that keep me there.
Unemployment, medical bills from several ~ and by several, I mean twelve ~ car accidents (never my fault, thank you for your concern), and the loss of child support when Dot turned eighteen. All these led steadily to the demise of what I like to call, my free money.
As much as I tightened the belt, I was just in over my head, upside down, sideways, and very, very shaken.
The triggering event was a radio commercial for debt relief. I was amazed at how they knew just what my situation was and how a quick loan would help me immediately.
Is This Thing On?
For about eight seconds I thought of calling. Then I jumped off that horse and put the phone down.
I mean, can you imagine what the interest rate must be on a quick loan with no credit check? [Hint: Way more than I could ever pay back.] And if there’s no credit check, what do they use for collateral? Employment verification, I think. Maybe a vehicle. Well, I certainly wouldn’t want them calling my boss if I was ten minutes late on a payment. Or taking my awesome little putt-putt away. Let’s face it: I’m already late on payments. Shifting debt from one source to another doesn’t alleviate the problem. It just shifts it. That’s why this commercial got my attention.
And then something else got my attention. The realization that I wasn’t the only one who had heard that commercial. I don’t live in a metropolis, and a lot of people don’t listen to the radio. But even so, if just a fraction of the population heard that commercial and thought of calling, how many others must feel there’s no way out from under the debt storm?
You know the old saying. When it rains, it pours. We usually say that when negative things happen. Wouldn’t it be awesome if we could pay attention to the storm of sunshine when it comes? What if, instead of hiding under dark umbrellas, they were fun, bright little things sticking out of our drinks in paradise? Or, turned upside down, and we could use them to collect pennies from heaven?
Every time it rains, it rains pennies from Heaven.
My plan is to share with you in future posts how I am overcoming my debt. I’ll be transparent about what works and doesn’t work for me. No, you don’t get to see my financials. That part is none of your business, but thanks for asking.
I’m also not a debt collector, licensed life coach, credit counselor or financial adviser. So here’s the disclaimer part: Any post relating to getting out of debt or managing money is strictly my personal experience and observances. I share them to let others know
YOU ARE NOT ALONE.
I share them to give hope. There’s power in the knowledge that even though it looks like things are getting darker, there’s always some form of light.
There’s still a lighthouse.
Here’s the thing: It does get better. I promise. You can learn different habits, discover hidden treasures, use what you didn’t know were assets.
The Unemployment Cookbook is the blessed result of needing to feed my small family with a small amount of groceries. Little did I know at the time I started creating these changeable recipes that it would start me on the road to self-publishing and turn into a constant seller.
The Unemployment Cookbook, Second Edition
I hope you start to count the sunrises each day, and find lots of pennies on your journey to paying down your debt.
I didn’t mean for this post to be just a teaser, but it’s already pretty long so the next part will have to wait.
I’d love to read comments and questions from you:
Are you struggling with debt?
Do you have any advice that can help others?
What are your thoughts on money?
And if you feel that your debt is going to swallow you whole, if it is consuming the lifeblood from you, please please please talk to someone. It’s okay to be in debt. Nearly everyone is, one way or another. It’s how you treat it, how you take care of it, that matters.
But know this:
Not being able to pay your debts does not make you a failure. It takes a hundred pennies to make a dollar. Start slow. Don’t expect miracles. Your debt didn’t happen overnight. Neither will the solution. Stay the course. And fill that jar.
My Penny Jar
You’ll get there.
Finally, because I thing the world needs more upside down umbrellas and happy songs, I leave you with some snazzy tap dancing. Enjoy.
There’s a plethora of news articles discussing poverty as it relates to society as a whole. There are Government studies, prejudices, and surveys. There are misconceptions, stereotypes, classes to educate those in the throes, assistance programs that help (or don’t), and people fighting every day to overcome the odds.
Let me be very clear at this point: I am not a statistic.
My Social Media brand states quite simply, “I’m a Christian. Writer. Mom. Single. Daughter. Friend. Worker. Chef. Believer.” I’m also a baseball nut, coffee drinker, Disney lover, cat owner. I’m sympathetic, empathetic and at times extremely temperamental. At no point have I ever been a statistic.
I am a person. My home is where I live and where I raise a family. We are not charts on a piece of paper or a spread-sheet column.
The very first thing you should understand about me is that I am blessed. I believe in God, I have felt His hand upon my daily moments and I know without Him I would be lost. I am poor by the world’s standards, but definitely not by His.
Trying to live up to the world’s idea of how my life should be is utterly exhausting. Working long hours while running a household can be overwhelming. And so rewarding.
I am deeply bothered by the stigma that my life brings to me and my daughter. I’m often overwhelmed at the inconsideration pushed upon us for lack of funds. I’ve prayed and thought long and hard about writing this post. There are some things that private. And then there are times when my voice may be the only voice someone hears. For others who can’t speak for themselves.
Poverty is not One Size Fits All or even Most. Poverty is deeply personal, intimate, and unique to each person. Not each family. Each. Person.
This is my story.
This is by no means a complaint against the world. Nor is it a cry for help. It’s not meant to take away any other person’s individuality or be thrown to the masses. This is simply My Story. Or at least the parts of it I can share.
I can’t say I was born into poverty. I think maybe I was, myself and my brothers. But we didn’t know different. Dad worked hard for income, Mom worked hard at keeping a home. At some point in my youth, both worked. We all came together for dinner around the table. We went to school, did our homework and worked our chores. We played games. We talked. We went to Church. We were a family. When my brothers were each old enough, they found part-time jobs to supplement their own pocket cash. I babysat the kids across the street. We didn’t know what poverty was.
We had a clean house. Home cooked meals. We didn’t know we were poor. We knew we didn’t always have as much as the kids down the block. But we always had more than we needed. And we were okay with that.
When I was 13, my dad passed away. Mom chose to move us closer to her sister, also a widow. Thus we transplanted from Michigan to California. My mom has always been an extremely strong, hard worker. If we were in Laura Ingalls’ days, she’d be known as a Pioneer Woman. When there’s a problem, she finds a solution. Even though the word “No” is often a part of our vocabulary, the word “Can’t” rarely is. Her home is immaculate. Her yard is landscaped. She’s always found a way to take care of what needs taking care of. I am very proud of my mom, and just as proud that my daughter inherited that same “Can-Do” spirit. We are not poor people. We are just people in poor circumstances.
We live in the largest county in America. Currently, our unemployment rate averages between 12 and 14%. That means one in seven people who used to work or can work, is not working. That doesn’t take into consideration the dependents that person is responsible for: a spouse, child, or other dependent. I don’t like the game people play with these numbers.
I’m blessed to have a job. I work 35 hours a week. It’s not much, but it’s honest work. It feels good to have a job I can go to. A place where I can contribute back to society and be a part of the outside world. I enjoy paying bills. I do! I like the feeling of writing out checks and buying my own groceries and putting gas in the car. I don’t like knowing that the payments I make aren’t always enough. I don’t like the calls I get each day asking me for money I don’t have.
But I like that each week, the calls are fewer. I like that each payday, I can afford to put just a little more money toward paying off the smallest debt. And maybe next payday, a little more. It’s not easy and there are often times when I’m unable to do anything more than the minimum payments… and sometimes not even that. It’s embarrassing. And that’s a stigma I face a lot. The stigma that being in poverty carries an attitude of apathy.
I want to be self-sufficient. I’m not there yet. I don’t know that I ever will be. But I’m learning a lot on this journey. I’m learning every day. How to cook differently. How to juggle a budget where the outgo always exceeds the income. How to get by for less than what society tells me I need. And how to ask for help when I really need it.
I’m blessed with a wonderful support system. I have family and friends and church and community. I’m not alone. I have people. My people. People who come alongside me to lighten the load however they can. A grandpa who constantly teaches Dot maintenance and farming. My mom who shares cooking secrets. My boss consistently trains me to be better at my job, and gives me opportunities to grow and not be just the stagnant front-desk person. I have people who see me through my struggles. And, yes. I have struggles. Who doesn’t? But I don’t struggle with life. There are worse things than not paying off debt in a timely manner.
For my family, Poverty is a matter of perspective.
My yard is still 90% dirt. That’s not because we’re poor. That’s because I live in the desert. That’s because I don’t know gardening. But I’m learning. Some day, my yard will be completely landscaped. For now, we’re taking it one square foot at a time.
I still treat Dot to the occasional pizza or Starbucks. We need that treat once in a while. When I was growing up, Mom had this saying on a bookmark:
“If, of thy mortal goods, thou art bereft, And from thy slender store two loaves alone to thee are left, Sell one & from the dole, Buy Hyacinths to feed the soul” – Muslihuddin Sadi,
13th Century Persian Poet
I remember asking her what that meant. She smiled as she told me, it’s another way of saying “Man cannot live by bread alone.” There must be more to life than physical needs. We must also take care of our spirit, our soul, our emotions.
Imagine my delight when in the first Spring of my somewhat fixer-upper home I discovered Hyacinth growing in my front yard.
Grape Hyacinth
We all need a time of refreshment. Being in poor circumstances no longer allows us the luxury of Disney passes or even a weekend getaway. My mom has another great wall hanging in her kitchen. It reads
Do What You Can Where You Are With What You Have.
And that’s why I still try to make time for Family Game Nights. Why we scrimp and save for our Girl Dates to Starbucks or McDonald’s. That’s why a 40-minute drive to Casey’s Cupcakes and the Mission Inn every few months isn’t indulgent ~ it’s necessary!
Because I refuse to let my daughter think she lives in poverty. Because she doesn’t. Because poverty is a temporary disposition that I refuse to settle into comfortably, and I will fight tooth and nail to make sure she doesn’t know what she’s missing.
I believe this poverty is temporary. I refuse to be a societal statistic.
TWEET THIS: Overcoming Bad Credit: Communication is Key. @RealMojo68 #badcredit #credit #debt #communication
