How I got rid of over $5000 of credit card debt in 3 months

Thursday, 26 May 2016

How I got rid of $5000 of credit card debt in 3 months


Life is not always glamorous like it seems in social media these days. You only see what people want you to see, you don’t see the depression, the loneliness, the self doubt, pain, stress and everyday struggles that happen. People might not have all the same struggles but everyone has struggles. 

Like me for example, one of my struggles is with money. I have never been good with money and always spend more then a should not to mention that in this day and age, everything is so expensive. You can find yourself easily taking out that credit card to pay for everyday necessities like groceries and household bills.

It can be quite challenging and defeating after every bi-weekly pay cheque with just a few swipes and clicks that your right back to where you were. Living pay cheque to cheque is exhausting. The pressures for young people to go to school and pay for it, make good money at a job and live a good life can cause so much stress on a person and that is exactly what happened to me.

I moved to Vancouver over 5 years ago now and when I moved there I was credit card debt free. Life was good, I was living in a beautiful city with my amazing boyfriend. But there was a problem, I was working a dead end crappy job with a crappy boss and in a new city that rained all the time. My money quickly disappeared after paying rent, phone bills, groceries you name it, that before I got my next cheque I had to pull out that credit card that we rely on WAY to much. 

At first it didn’t seem like a big deal. But after doing this too much for to long, to basically help us survive and as well a couple vacations later all of a sudden my debt was to high for me to even believe. How did I let it get this high and this bad? I was never going to be able to pay it off. So what did I do, I didn’t do anything.

I made sure to pay my minimums each month, but the rest of my money I needed to be able to live and be able to have a social life. But after a while I became un-happy, always having this weight on my shoulders of how I really didn’t have the money and all my dreams and things I wanted in life just seems impossible. And when you have to give up your dreams, at least for me, that really takes away from who I am and made me always upset. I started taking it out on my relationship and I blamed living in Vancouver for all my problems, which yes it is an expensive city but in my dreams (no pun intended) I am always going to be faced with expensive places and things and I just have to learn to work with it and not against it.

So after way to long of being un-happy and sabotaging myself and everyone around me I had had enough. I broke down and cried and cried and cried. I needed to change, I finally was ready to take charge and fix the problem I had created. But it was not an easy task. And maybe the route and option I took isn’t what you want or is the right or best decision, but it is a decision. I made some hard choices and even though maybe not everyone understood it (myself included) it was the only choice I felt I had. And looking back I think it was the right one.

I decided to take a leave from my life in Vancouver and move home. No, this is not a glamorous story, like we talked about in the beginning and at 27 years old, I didn’t and still don’t feel great about moving home to live with my parents but none the less, I did what I needed to. I have two siblings that both own businesses in my home town and knew I could get work from them. So I set off home and got straight to work. I didn’t know how much I would make or if I would actually be able to do it especially because at the time I wasn’t planning on staying long and I still had bills to pay back home but I knew that living at home I would be spending way less and boy did that help.

I didn’t have an exact plan of action but just took it step by step, pay cheque to pay cheque. I also knew I would have to use every thing I had in my saving account to make this work. So first up was the smaller amount yet still big credit card and be done with it and I did, I immediately paid if off with my saving. DONE, that felt good. Next the big scary credit card that I wanted to pretend didn’t exist. I got my first pay cheque, figured around how much I would need for rent, bills and a bit of spending money and the rest went straight to paying that card off. I did this with every pay cheque. 

I had no real budget, I just estimated what I would need for every month and kept sending off that money. Quickly $4000 became $3000, then $2000 and I started to see that I could actually do this. I could actually get my credit paid off. This felt really good, after having that debt for so long I never really though I could do it but I was. Then after a few months with a pay-cheque and my last bit of saving I was finally able to shed all of that extra debt I had been carrying around all these years and I must say, it felt damn good.

So all and all even though it was not the most desirable situation and there were definitely bumps and bruises along the way (literally, I tore my meniscus during all of this which made everything more difficult) but anyways I did it. With dedication and some hard choices, I made it through and achieved a goal I had been dreaming about for so long. Which also makes me feel better about myself and maybe I can do more then I actually think I can, I just have to believe and do the hard work.

So if you are like me and your struggling and feeling like there is no way you can pull through then your wrong. Don’t take the easy way, do what you have to achieve your goals and relieve some of that stress in your life. It might not be what you want at the time but it will be worth it in the end. Take time and dedicate yourself to making these goals and dreams a reality. You will thank yourself in the end.


Wednesdays Wishlist - Pink, white and gold

Wednesday, 25 May 2016

Wednesdays Wishlist - Pink, white and gold - Danish minimal style
Nike cortez sneakers, New Look via Nelly long line bomber jacket, Weekday jumpsuit, Totême stockholm t-shirt and Gucci Dionysus bag

This weeks Wednesdays Wishlist is all about taking minimal style and adding a bit of fun too it. I love minimal style with details that make it extra special. Like wearing this jumpuit and adding a basic t-shirt and underneath and a fun pink bomber over top. Wearing something like this and adding sneakers and a fun designer bag seems like a great danish take on a minimal outfit. I am serious;ly in love with this sneakers as well, I really want to get myself a pair and they are quite affordable as well compared to most sneakers these days.

I have noticed a trend from my last week's wish list and this week. I have a thing for these soft pink colours that are quite on trend these days. Unfortunately I do not own anything of this colour, but I am not sure if it is something I should worry about as it is a trend and I might not be into it later on...I guess we will see!!

Can't get enough of blue stripes

Monday, 23 May 2016

Forever 21 shirt - Zara culottes - Converse - Monki bag - Outfit

Forever 21 shirt - Zara culottes - Converse - Monki bag - Outfit

Forever 21 shirt - Zara culottes - Converse - Monki bag - Outfit

Forever 21 shirt - Zara culottes - Converse - Monki bag - Outfit

Forever 21 shirt - Zara culottes - Converse - Monki bag - Outfit

Forever 21 shirt - Zara culottes - Converse - Monki bag - Outfit

Forever 21 shirt - Zara culottes - Converse - Monki bag - Outfit

Forever 21 shirt - Zara culottes - Converse - Monki bag - Outfit

Forever 21 shirt - Zara culottes - Converse - Monki bag - Outfit

Forever 21 shirt - Zara culottes - Converse - Monki bag - Outfit

Forever 21 shirt - Zara culottes - Converse - Monki bag - Outfit

Forever 21 shirt - Zara culottes - Converse - Monki bag - Outfit

Forever 21 shirt - Zara culottes - Converse - Monki bag - Outfit
Forever 21 shirt, Zara culottes, Converse sneakers and Monki bag

I feel like I am having a bit of an obsession with blue stripe tops and lately I have been wearing my stripe top a lot. But it's not just me, you see this everywhere these days. In the streets and in the fashion retailers. Mine is a pretty basic style, slightly oversized and easy to wear. But there are tons of different styles and version of the blue stripe top or dress for that matter that you can find. I love that now you can find blue stripes in a lot of very minimal tops with a fun details to them. I have shown some examples of what I mean below. So many items on my wish list right now.


The most beautiful sunset - part 2

Sunday, 22 May 2016

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger

The most beautiful sunset - part 2 - Long Beach - California - Travel Blogger



















































I made sure to watch the sunset till the very end. I love watching the colours form and change, starting from yellows and oranges to pastel blues and pinks then ending with dark purple and bright pink. Such a beautiful sight, I don't think I will ever get tired off watching (and photographing) sunsets. But for me it's not just the colours a sunset makes but it's also this feeling in the air when it is sunset, this calm and lighting it creates, everything just seems 10x more beautiful and peaceful. It's a good feeling. Anyways, that's enough of my boring you on how much I love sunsets. I hope you have enjoyed the photos though.

Part 1 here.

New jeans - First outfit

Saturday, 21 May 2016

Vintage Levi's jeans - new in wardrobe - outfit - Vancouver Fashion Blogger

Vintage Levi's jeans - new in wardrobe - outfit - Vancouver Fashion Blogger

Vintage Levi's jeans - new in wardrobe - outfit - Vancouver Fashion Blogger

Vintage Levi's jeans - new in wardrobe - outfit - Vancouver Fashion Blogger

Vintage Levi's jeans - new in wardrobe - outfit - Vancouver Fashion Blogger

Vintage Levi's jeans - new in wardrobe - outfit - Vancouver Fashion Blogger

Vintage Levi's jeans - new in wardrobe - outfit - Vancouver Fashion Blogger

Vintage Levi's jeans - new in wardrobe - outfit - Vancouver Fashion Blogger

Vintage Levi's jeans - new in wardrobe - outfit - Vancouver Fashion Blogger

Vintage Levi's jeans - new in wardrobe - outfit - Vancouver Fashion Blogger

Vintage Levi's jeans - new in wardrobe - outfit - Vancouver Fashion Blogger
Forever 21 jacket, Zara top, Vintage Levi's jeans, H&M sandals, Monki bag, Stella & Dot necklace and Benatra rings

Well here you have the first look of many more to come in my new jeans. I don't know how I lived without them before. These were just one of the many essential pieces that I am missing from my wardrobe. I will make a post about the items that I feel are essential yet I am missing. That might be fun and then you can all give me tips and suggestions to help a girl out.

Anyways I went and saw Captain America with my boyfriend last weekend and gave him a hair cut. Believe me, he needed it, his hair was longer then mine. But his hair would make any girl jealous, seriously. I also went to an event this week and I took some photos. As well as, we celebrated a friends birthday yesterday, which was fun.

But back to the jeans, these jeans are pretty much perfect for any occasion, you can dress them up or wear then casual, as usual. Now I just need 2 more pair, one in a dark denim and one in true blue denim.



Disneyland

Thursday, 19 May 2016

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams

Disneyland - California - Travel blog - photo diary - In My Dreams
Target t-shirt, Zara culottes, Converse sneakers and Monki bag

DISNEYLAND.

It really was magical. It was my first time and I was very excited to see everything and go on rides. We went on the Indiana Jones ride (twice), Splash Mountain, It's a small world, Star Tours ride and more but when I saw the Winnie the Pooh ride and area I got really excited and then I saw Pooh and I almost died.

I don't care if I'm an adult, ever since I was little I have been obsessed with Winnie the Pooh and have always thought about going to Disneyworld or Disneyland and meeting him, so it was literally a dream come true. And not only did I meet Winnie the Pooh but Tigger as well and saw Eeyore!!! Tigger was upset with me because I was wearing a Mickey Mouse t-shirt but I assured him that it was just a top and that I loved him more (which I do)!!!

It definitely brought out the kid in me again (as you can tell) but I think we all need that from time to time. I was happy and that is all that matters!!!