Lets see, before I read David’s book, I was just about to sign up for Debtor’s Anonymous. Things were bad. There were days I didn’t want to get out of the bed because I felt like I was working for everyone else but me! I’m 33 yrs old, I work at the same company for 16 years. I’m single. I own my own home (not paid off), a car(completely paid off) and a timeshare in Aruba (NOT paid off). My father passed away 16 years ago. I live with my mom who is permanently disabled, I take care of her. I have 3 other bellies to feed (1 kitty and 2 devoted doggies). 8 years ago I bought a house in Long Island. Even though buying the house was a great investment, its been a constant struggle with my bills. Since we are living on one salary, MINE, I charge whatever I don’t have cash for. Sometimes even food. I would always charge vacations, I felt like I deserved to go away – needless to say, I would be further in debt. I can’t begin to count the number of times I refinanced to pay off my debt only to fall back down. It never ended…
Until I walked into the book store one day a few months ago to pick up a book for a gift. David’s book caught the corner of my eye. It was the last book on the shelf! So I bought it! After reading his book, for the first time in my life, I feel like I have control of my money and that was a very big thing with me, I would lose control constantly and shop out of depression. Don’t get me wrong, I am still struggling but I’ve gained control and confidence. So far I’ve managed to increase my 401K at work, I opened up a money market account for a savings and a separate one to escrow for my taxes – why let the banks make money off of my money?? I’ve moved my credit card debt to 0% cards. I’ve set up automatic deductions for my mortgage and credit card payments and my car insurance. This way everything gets paid on time. Its impossible to save a dime, at least for me it was when I had to manually do it. When its automatic, its easy, I don’t have to do a thing. I love it! David, you will never know how much you changed my life and helped me get my finances on track-Thank you! I only wish I started this in my 20’s! While I’m not yet close to being out of debt, at least I now see a rainbow at the end of the day whereas before I only saw darkness. Thank you again! My future goals include owning a 2nd home before I turn 40, starting my own business which I’m currently working on and writing a book of my own one day!! Notice, I don’t even mention marriage and children – that will come in time and when its right! In the meantime, I’m getting rich!! ; )
