I opened up all my blogs... I think enough time has passed and it is safe to come out now.
I began my get out of debt journey on December 2008:
http://knightindebt.blogspot.com/
I closed down my blog when I realized people within my circle found it and I had so much personal information on there:
http://mydebtcomeback.blogspot.com/
I decided to use this URL to finish my journey the rest of the way:
http://finaldebt.blogspot.com/
I barely have the time to blog now but I am glad that I finally figured it out (for the most part).
Monday, November 26, 2012
Wednesday, June 22, 2011
Progress
Dec 2008: 647,000 zombies and unemployed (lowest point of my life)
May 2009: 620,000 (sold car)
Nov 2009: 343,00 (sold house #1 of 2)
Jun 2010: 88,000 (sold house #2 of 2)
Jun 2011: 85,000 (got rid of all the big stuff and now is the hard part... but thankfully now I am fully employed. Thank you Lord.)
I have to keep progressing upward. At the pace I am going now, it will take 5 years to pay off the rest of my debt. But I am not accounting for life factors such as possible marriage, kids, family emergencies, etc. So that 5 years can easily balloon to 10 or 15 years. However, those factors or length of time to pay off debt can be mitigated by making more money. So for the time being I will just maintain by paying my bills on time and working hard so I can climb up this economic system that we live in. I always have to be smart with how I spend every $ that I make.
At the end of the day, I am just grateful for having my health and family. Everything else is just a problem that can be solved.
I have documented my journey since Day 1. What I learned is something so simple and a concept I always knew but never could apply it to my life. So I had to make radical changes to understand. But basically, this is what it boils down to - being financially successful doesn't mean you have to make millions of dollars. It's all about having some damn self-control and living within your means, going through the struggles and working hard to land a stable job, and no matter what saving 20% of whatever you make without making any excuses. This is all ABSOLUTELY easier said than done, I know. I've been preaching it for all my life before I hit rock bottom in 2008. But you get to a breaking point, and as Dave Ramsey says, you tell yourself and the world in full conviction, "ENOUGH IS ENOUGH." And you have to force yourself to change.
I am also a full believer in Rhonda Byrne's Secret. Be good to people, act positive, think of all the things you want in your life such as not being in debt, not having a mortgage, having a good companion, graduating school, getting a promotion..... think these good things and you will attract them into your life. Likewise, think negatively or bad things and bad things will happen in your life. Inevitably, bad things will happen because life is not perfect, but even then you have to react positively and get back on your feet. Never give up.
May 2009: 620,000 (sold car)
Nov 2009: 343,00 (sold house #1 of 2)
Jun 2010: 88,000 (sold house #2 of 2)
Jun 2011: 85,000 (got rid of all the big stuff and now is the hard part... but thankfully now I am fully employed. Thank you Lord.)
I have to keep progressing upward. At the pace I am going now, it will take 5 years to pay off the rest of my debt. But I am not accounting for life factors such as possible marriage, kids, family emergencies, etc. So that 5 years can easily balloon to 10 or 15 years. However, those factors or length of time to pay off debt can be mitigated by making more money. So for the time being I will just maintain by paying my bills on time and working hard so I can climb up this economic system that we live in. I always have to be smart with how I spend every $ that I make.
At the end of the day, I am just grateful for having my health and family. Everything else is just a problem that can be solved.
I have documented my journey since Day 1. What I learned is something so simple and a concept I always knew but never could apply it to my life. So I had to make radical changes to understand. But basically, this is what it boils down to - being financially successful doesn't mean you have to make millions of dollars. It's all about having some damn self-control and living within your means, going through the struggles and working hard to land a stable job, and no matter what saving 20% of whatever you make without making any excuses. This is all ABSOLUTELY easier said than done, I know. I've been preaching it for all my life before I hit rock bottom in 2008. But you get to a breaking point, and as Dave Ramsey says, you tell yourself and the world in full conviction, "ENOUGH IS ENOUGH." And you have to force yourself to change.
I am also a full believer in Rhonda Byrne's Secret. Be good to people, act positive, think of all the things you want in your life such as not being in debt, not having a mortgage, having a good companion, graduating school, getting a promotion..... think these good things and you will attract them into your life. Likewise, think negatively or bad things and bad things will happen in your life. Inevitably, bad things will happen because life is not perfect, but even then you have to react positively and get back on your feet. Never give up.
Saturday, November 13, 2010
Lights back on
Request an invitation to my new blog by emailing me at knightindebt@gmail.com
I cannot promise that everyone will get an invite.
I cannot promise that everyone will get an invite.
Wednesday, September 22, 2010
Update
Hey guys I was able to sneak away from the zombies to send out this message. I am still alive and well. I will never forget about you guys. I want you to be there when I am back to zero. Things are crazy these days and I will make sure one of these days that we catch up. Thanks always for your support but I gotta go before I get caught..... just know that I am always fighting and never giving up. The zombies had the best of me the past few months but I will come back. I will overcome..... because I have to.
Monday, August 16, 2010
Lights out
My city was infiltrated. Please check back later as I sort out several issues.
Thank you.
Last post by mydebtcomeback 8/13/10
I am watching the NBA Hall of Fame right now and it is humbling to watch these great basketball players reach the pinnacle of their career. I wanted to share the final part of Karl Malone's speech which motivated me to work hard and help others. To keep working hard no matter how tough things may get. That is why even with this get out of debt journey, I will sacrifice as much as I can and work hard and do everything the best way that I can and do it the right way.... because I know once I get there, it will be so gratifying. And I have all of you readers to thank because.... in the beginning when you guys criticized me and said I was being stupid, I took it seriously and I know because of that I became a better person. But most of the time you guys were nothing but nice and supportive and for that I am so grateful. (sorry these induction speeches are making me so sappy haha)
"I always tried to do it the right way. I tell my friends and family - live the life the way you want to be remembered and leave life better than you found it. And what good is success if you are not willing to share it. It was never about me, it was about trying to do something to make everyone proud." -Karl Malone 8/13/10
Thank you.
Last post by mydebtcomeback 8/13/10
I am watching the NBA Hall of Fame right now and it is humbling to watch these great basketball players reach the pinnacle of their career. I wanted to share the final part of Karl Malone's speech which motivated me to work hard and help others. To keep working hard no matter how tough things may get. That is why even with this get out of debt journey, I will sacrifice as much as I can and work hard and do everything the best way that I can and do it the right way.... because I know once I get there, it will be so gratifying. And I have all of you readers to thank because.... in the beginning when you guys criticized me and said I was being stupid, I took it seriously and I know because of that I became a better person. But most of the time you guys were nothing but nice and supportive and for that I am so grateful. (sorry these induction speeches are making me so sappy haha)
"I always tried to do it the right way. I tell my friends and family - live the life the way you want to be remembered and leave life better than you found it. And what good is success if you are not willing to share it. It was never about me, it was about trying to do something to make everyone proud." -Karl Malone 8/13/10
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