Hi, everyone!  My name is Michelle and 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. 

I will be posting about everything related to debt-free living, including ways to simplify living, and even go paperless.  So stay tuned… there is more to come.