Dreams Don't Work Unless You Do!

Good Morning followers, newbies, and all my lovely friends! :)

I wanted to share with you today something that means a lot to me because honestly for my entire life, I have never really had anyone pushing me to get to where I am today but that didn't stop me from working towards my goals and dreams. The quote of the day today is going to be "Dreams don't work unless you do!"

This quote really puts everything into perspective.. because it very self-explanatory. You see, you will accomplish nothing until you are willing to work on accomplishing something! How many times have you dreamt about being debt free, losing 10 pounds, owning your own business, landing that dream job, or owning your own home? In order to accomplish these things, you must come up with a plan, stick with it, and eventually things will fall into place! I have worked extremely hard for the last 13 years to accomplish everything I have.

I was fourteen years old beginning my first job. It was a summer program where I would have to "work" about 6 hours Monday through Friday. I mean what kind of 14 year old wants to spend their summers working? THIS GIRL!! I came from a family that did not have a lot of money, I wasn't able to go shopping at the mall or do the fun things all my other friends were doing BUT I wanted to do those things, so I had to work for it. This mindset put me on a path I knew would take me far. I feel that if I would not have started working at such a young age, I may not be where I am today. I was focused, determined, and wanted things I didn't have at the time.

Fast forward to June of 2005, I was graduating high school... I was always told that I was to go to college, but no one in my family did so I was falling into a path where nope, I don't want to go. I didn't want to spend four years in college, it just wasn't what I was looking to do. However, something came over me and I decided to start my college career at a technical school, Bradford School in Pittsburgh. I moved away with a close friend from high school and we started our adventure as college students just 2 weeks after graduating High School!! We were eager to begin this journey. I have to say I am very thankful that I changed my mind and went to college because I became even more focused and determined. I worked about a year and a half after graduating with my Associate's degree then decided I wanted to go back to college for my Bachelor's Degree.. in January 2010, I was officially a full time student again at Robert Morris University!

Why am I telling you all of this... because these are just some of the steps I had to take to get to where I am today... Fast forward to September 2014... I am a college graduate, I landed my first official "salaried position" two weeks BEFORE I was graduating college. It was so awesome to not have to stress about if and when I would find a job because the economy wasn't doing so well during this time. I busted my behind to get to this point in my life.. I would work multiple jobs while in college just to ensure I was able to pay my bills.. Most people would have probably given up at this point. Sacrifices needed to be made... I knew it would suck at first but the outcome would be so much more rewarding than feeling that sense of regret for the rest of my life.

Facts:
I bought my first brand new car. I pay for everything I have. I worked my butt off. I paid for my own wedding, no help from family or friends. I would work multiple jobs. I have my own apartment. I put myself through college, every penny of the way. I cried a lot because of stress. I have paid off 75% of my credit card debt within the last 4 months. I am looking to purchase my first home. I NEVER GAVE UP. I am excited to see what my future holds for me.

My life may have thrown me many curveballs.. sometimes I thought how am I ever going to overcome this, but deep down... you will find that strength. It may take a lot longer sometimes but you have to focus on getting back up rather than staying knocked down. Rise above it all and you will come out on top. Because remember, Dreams Don't Work Unless YOU DO!

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If you are looking for a way to help you reach your dreams and goals, looking for someone to help keep you accountable, email me at tbbcoachsteph87@gmail.com or fill out the contact form below! I would love to chat with you about an amazing opportunity!

My Dream Board - Goal #2

To continue with my dream board goals, my goal is to become credit card debt free. While I still may have a lot of student loans to pay off, I am determined to get all of the credit card debt gone before the end of the year so I am able to pay larger amounts on my student loans!

During my college years I was working multiple jobs which needed to be very flexible with my schedule for my classes, so I would sometimes work seven days a week. Since I was pretty much making minimum wage at these jobs, it only went so far. I was paying for rent, utilities, car insurance, car payments, food, etc. This amount of money only goes so far... I was desperate so I unfortunately opened up a few credit cards to help pay for books and other supplies, but had gotten in really far over my head. 

After many years of racking up the credit card debt, I was completely sick to my stomach and felt like I was falling into a dark hole I would never get out of. I never had someone preaching to me about the importance of credit cards, and how difficult they would be to pay them all off. I would only pay the minimum balance, and when you look at your statement, and you see the part where it says if you pay just the minimum balance it will take you X amount of years to pay them off, yea I never realized how bad it actually was. And to think how much money I was wasting I felt hopeless.

Finally, I was able to land my first big girls job, which allowed me to have a bit more flexibility with my money and really start focusing on getting my finances in order so I will one day be able to afford a brand new car (which I have bought already), be able to buy a brand new house (which I plan on doing rather soon) and live life comfortably without restrictions.

I set a very strict budget for myself. Although, it may have meant sacrificing certain things like new clothes, new shoes, a new purse, and going out to eat all the time; I knew that I was getting myself back on the right track. Since mid-June of 2014, I have since paid off 4 credit cards. I only have three more to go and I could not be more ecstatic. Yes, you may think this is a lot, and yes it really is, but I know I have made mistakes in my past that I am cleaning up to ensure I am able to live a happier, stress free life where I don't have to constantly worry about being burdened with financial freak outs!!

I will have another post coming up within the week going over ways I have set my budget and how it helped me pay off four credit cards in just two and a half months. Make sure you stop back! :)

Quote to live by: Obstacles don't have to stop you. If you run into a wall, don't turn around and give up. Figure out how to climb it, go through it, or work around it.

-Michael Jordan

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