It’s time to get shit done.
Growing up my older sister, Kelsey, and I proclaimed ourselves to be “Team Get Shit Done” in our home. Since we weren’t gifted with the natural intellect and talent that our brother and sister were born with, we realized early on that we’d have to rely on our work ethic and determination to keep up.
What started as a cute little saying (although our mom didn’t think it was so cute) became an approach to life that’s opened up doors that would have always remained closed as I transitioned into adulthood.
Since moving out of the house and getting out in the real world, whenever I’m faced with a challenge or feeling overwhelmed I grab the nearest piece of paper and write Get Shit Done at the top.
Next, I “brain dump” all the tasks that are swimming around my mind and get them onto the page. This instantly calms the anxiety, but the next step is what’s most important.
Once all the tasks are written out, I number them in order from most important to least important. With this list, I can see what must get done, what should get done, and what would be nice if it got done for the day. Clearing identifying my priorities gives me the confidence to start tackling each task one at a time.
I cannot tell you how many times this simple process has helped me shift from feeling bat-shit crazy to calmly getting shit done.
It’s been a gift in my life and now I’m excited to share it with you.
“Get Shit Done Journal” is now available on Amazon, link below!
My Path Towards Becoming Free From Credit Card Debt
It all started in 2012 when I was a Junior in college and I thought it'd be a good idea to apply for a credit card. I was becoming an adult and this seemed like the adult thing to do.
Wells Fargo approved me for a $500 card. Woo! Adulting.
The problem was, like so many others, I was never educated on how to manage my money.
Now, I knew I would eventually have to pay my card but no one told me how stupid it was to only pay the minimum balance.
Fast forward 7 years and 6 credit cards later and I found myself in the hole over $15,000. In this post I'll take you through the journey I took towards a simple 4-step process towards paying off all the credit card debt in 7 months.
(As you'll see in the screenshot of my credit card debt history above, I'd been floating around $8,000-$12,000 in debt for a while, but there was something about owing $15,000 that pissed me off enough to make a change.)
All The Stupid Strategies I Tried (and Failed)
Don't get me wrong, I knew I had a problem when my debt before hitting $15k.
The problem was that I was trying to implement my own strategies, instead of the learning and taking advice from people who knew what the hell they were talking about.
Here's a list of what didn't work and I would NOT recommend:
In retrospect, one of the constants I see in all of my failed strategies was that I made it way more confusing and difficult than it needed to be.
I needed simplicity.
The Best $100 I've Ever Spent
After 7 years of racking up credit card debt and constantly feeling like I was drowning in quicksand with my finances, I wised up and decided to seek advice from the experts.
I became obsessed with the idea of learning how to pay off my credit card debt and bought every book/audiobook I could find on the subject, which ended up costing around $100.
After I finished one book, I'd think to myself- that's way too simple, there's got to be a better way.
So I'd start another book and the next author would say, pretty much, the same thing as the last. I'm not sure how many books it took but finally I realized that this shit IS simple, I just needed to implement it.
Before I dive into the 4 step strategy I used, here's a list of the books that really helped me out:
The 4 Step Strategy I Used to Pay Off $15,693 of Credit Card Debt in 7 Months
Once I realized how simple it was to become credit card debt free, I decided to take massive action.
These are the exact steps I took:
And that's it! Before I knew it, I was making the final payment on my remaining cards. It was a surreal feeling because for 7 years I had felt weighed down and defeated by the debt, but after 7 months it was gone for good. It was like, why the hell did I make this so much harder than it had to be?
The best plan is a simple plan.
I hope there was at least one thing that you can take away from my experience that will help you become debt free. The short-term sacrifices you'll make are 1000% worth the peace of mind that you'll have when you no longer carry around that unnecessary burden.
You got this.
(PS...I'd love to hear your story overcoming your debt. Email me at email@example.com)
Get Toned At Home During the Coronavirus Pandemic