Where I Came From
I strugged on what to share next. But I wanted to take a moment and share with you how far I've come and what I have been through.

My family has always been below average income. We struggled thoughout my childhood. When I wanted something, I didn't always get it and when I needed something we tried to figure out how it would be possible.

So, when I hit my teens I started working. First it was a paper route, then multiple routes, then fast food. 

If I wanted something or needed something it became my responsiblity to pay for it. And thus started what I refer to as the 'little red notebook.'

This terrible notebook was what I owed my mom and step-dad. My mom fought it, but my step-dad won. Anything they paid for was written in this book and I was responsible for paying it back. I paid what I could, saved half my income and was left with pennies to spend on what I needed for those two weeks. Not only that, but I was paying rent to live at home. 

University became my responsibility too, with no money available for that. By the time I finished university I was in so much debt I didn't know what I would do. I owed $40,000 in student loans, $5,000 in credit card fees, and $10,000 to the 'little red notebook.'

Luckily I had amazing opportunities in my post secondary education --I worked for the federal government in three different departments in three diferent summers! As a political science student I was in my glory!! Furthermore, that led into the most amazing opportunity working for a Minister of the Crown right out of university. 

It was a decent paying job, but because of taxes and my debt I had little left to play with. 

So I developed a strategy as seen in my book "When You're Down to Your Last Dollar: A Simple Debt Reduction Stratgey" to tackle my debt and pay it off fast.

Working with the federal government did not allow me to work additional jobs due to the Accountability Act that was instated, but that was okay as I really didn't have the time! :)  So, I needed to account for my money in the best way possible and that I did. In five years, I paid it all off! And boy did it feel good. 

Unfortunately, my story doesn't end there. 

With the money I saved in Ottawa (the capital of Canada, where I worked for the federal govenment) allowed me to move back home to be closer to family and purchase a small townhouse. 

But then sh*t hit the fan. 

I suffered 6 concussions in 6 years and had to stop working.


My beautiful emergency fund took a hit and eventually I was living month to month on my credit cards. 

Luckily I had my house and was able to utilize some equity to take out lower interest rate loans to cover my mistakes and clean that up. 

Now, I am on the journey to debt freedom again and I know I will achieve it. This time taking my mom with me. 

Join me in Healthy and Financially Empowered Women Facebook Group to see my tips and tricks to tackling huge amounts of debt and having fun in the process! 

1 Comment

  1. Love your story. I think a lot of people are in the same boat but not willing to admit it. I can totally relate as I also started paying for everything since elementary...I had an ice cream stand and a paper route but I because a server and a good one so I made decent money to be able to pay for school. Thank you for sharing your story.

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