Hi, everyone! I’m so glad you are joining me on this journey. I am a spender… I love to spend money. Even before I get it, I have a plan for all these great and wonderful things I want to buy. Of course, there’s never enough money to buy all the things I want, and that’s why I get into the predicaments I do. It leads to living paycheck-to-paycheck, assuming that there will be no surprises along the way. I now have a student loan, car loan, credit card, and a medical bill that need to be paid. I wish that I could write one check and they would be paid in full. But that’s wishful thinking, not reality. Honestly, I know what I need to do to get out of this mess… pay off my debts and live below my means. But this will be a daily challenge for me as I struggle to keep debt repayment in sharp focus.