I lived paycheck-to-paycheck for a decade. In the absence of sustained income, I funded $30,000 in miscellaneous misadventures on credit cards and personal loans as early as age 18. But all good things must come to an end, or a credit limit.
I reached rock bottom when I was rotating 0% interest offers and begging creditors for consolidation loans. At 27, I finally started adulting and put together my first budget and debt-free plan. This book summarizes my 4-step roadmap.
- D. – Define the Problem
- E. – Establish a Plan
- B. – Build a Budget
- T. – Trust the Process