Welcome To Jnice Financial Advice

Hey Guys! 

What a helluva year huh? I know now is such a trying time for many, with relatives and loved one's getting Covid, succumbing from it, or making it through. Couple that with job insecurity, food insecurity, children's remote learning, sudden high usage of home appliances, no toilet paper, no hand towels, lack of soap, and lack of sanitizer and it is enough to make a person want to scream. On top of all this we are told we MUST stay away from those we love most..to protect them. 

Yes, 2020 is not having me see clearly and I am sure for most of you it is the same. A couple of years ago (2018 B.C (before covid)) I decided to pay down my debt. I had $31K in student loans (I know...I know), $18K in credit cards, and $13K left on my car loan. I was literally doing EVERYTHING Dave Ramsey says not to do. Buying things I don't need, with money I do not have, to impress people I don't know. I made a decision to get out of debt so I can free up my money do behave the way it needs to and not mostly go towards debt by doing the below:

• Listing my debts from smallest to largest
• Paying down the smallest one fast (while making minimum payments on the others)
• Leaving a low paying job for a high paying job
• Cutting out unnecessary  expenses 
• Creating a budget and sticking to it this means vacays, weddings, eating out, holidays

I am now only 14K in debt and will have this paid off Q1' 2021!!!

This is possible and I know you all can do it too! So welcome and join me on this ride as we navigate cost cutting measure, financial literacy and much more.

Peace!!