New year, new me

I’m back!

I am so excited to be back writing blogs regularly. You might’ve noticed that I went MIA for a little while, but I am officially back!

It is only 3 days into the new year, and there are already amazing things happening in my life. The last couple of months, I haven’t been feeling like myself. After having a full-time job and then jumping into the “mom” role, it has been hard adjusting. I have absolutely loved being a stay-at home mom, but it is rough sometimes too. I have missed getting that human interaction regularly, and it got a bit lonely for me. I became depressed. I honestly didn’t know how I would start feeling like “me” again, and it took a while to figure it out. I sat down with my husband and we talked for a while about what it is that is making me feel this way. The answer? I miss going to work. I miss interacting with people. I miss getting out of the house. So what did I do? I got a job!! Well, part-time….but this is going to be a game changer for me!! I am so so excited to start working again. I am going back to Rue 21, but instead of being a manager I will be working as a part-time sales associate. This way I can work around JB’s schedule so he can watch Bradley while I’m at work! It works out perfectly!!

What else has happened with me? I got a credit card!! This is seriously a huge accomplishment for me, you have no idea. Let me explain…When I first turned 18, I didn’t know very much about credit cards. I was working at a clothing store and counted down the days until I turned 18 so that I could sign up for my very first credit card. As soon as that day came, I signed up and was instantly approved. I bought little things here and there, and was keeping up with my monthly payments every month. Then I went shopping at Marshalls/TJ Maxx one day, and this really sweet sales associate convinced me to open a TJX mastercard. I was so excited because not only was I approved for another credit card, but my limit was $1500!! Again, I bought little things here and there, and kept up with my monthly payments. Then I moved to Eugene to work for Buckle. This is when things turned south. I opened a Buckle and Victoria’s Secret Credit card. I was always so good with making my monthly payments that I decided I could handle spending more on the cards.

I soon became a “shopaholic” I guess you could say. I started acting as if my credit cards were cash that I could just spend, and I almost had a high when I just swiped the cards, no matter what I was buying. Although I had the cutest wardrobe ever, my cards became completely maxed out and my credit score went from a 720 to below 500 within a few years. I was 21 years old and had over $4000 of credit card debt in collections and my credit score was shot. It became a nightmare. Eventually, collection agencies were calling my family members and even my neighbors. Opening that first credit card at 18 years old was the worst mistake EVER. My parents eventually found out about my debt and offered to pay it off as long as I paid them back. Of course I agreed to that! I am now 25 years old, and I have completely paid my parents back the debt, my credit score is finally getting better, and I was approved for a credit card yesterday! Yeah, I know that sounds crazy that I signed up for another card after what I went through, but I didn’t have the knowledge then that I have now. Now I have another way to start building my credit, and I couldn’t be more excited. It’s just the beginning of January, and I can tell that 2020 is going to be amazing.

I am really going to focus this year on:

Being the best mama and wife that I can be

Taking care of myself and my mental health

Surrounding myself with positive people

Getting my finances in order

Getting myself back into shape

What are your goals for this year?

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