What good thing(s) happened to you in 2023?
For me, it's all kind of connected, but I made the decision to have a baby on my own in the next couple of years. In order to be a single mom, I need to get my finances under control and in the last few months I've been taking the necessary steps to address the issues I've been having. The biggest issue was dealing with credit card debt. I never had a lot (it was always under $1000), but I treated the card like I had that money when I never did. I was always paying off the card only to rack up a balance again. I made the decision to close the account a few weeks ago and I'm definitely seeing things turning around. I have over a $1200 in my emergency fund now. Also, I paid off one student loan (granted it was the smallest one I had), but having that extra $60 a month will be great.
For me, it's all kind of connected, but I made the decision to have a baby on my own in the next couple of years. In order to be a single mom, I need to get my finances under control and in the last few months I've been taking the necessary steps to address the issues I've been having. The biggest issue was dealing with credit card debt. I never had a lot (it was always under $1000), but I treated the card like I had that money when I never did. I was always paying off the card only to rack up a balance again. I made the decision to close the account a few weeks ago and I'm definitely seeing things turning around. I have over a $1200 in my emergency fund now. Also, I paid off one student loan (granted it was the smallest one I had), but having that extra $60 a month will be great.