I Cleared $35,000 Worth Of Debt While Making $12 An Hour | xoNECOLE

I Cleared $35,000 Worth Of Debt While Making $12 An Hour

Comments (36)
  1. Franders Yb says:

    I’ve notice this trend of slyly mentioning assistance from family in these “from rags to riches” and “how I did it” stories. It must be nice to have so much support that you really think you did it on your own. I’d LOVE to hear from someone who pulled themselves out of massive debt with no help (whether cash or in-kind) from family or friends. Especially if that person also has dependents to worry about.

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  2. I make more than this an hour and so many people wonder why I don’t live in a better part of town with a better apartment…because I want to live just a bit below my means! I don’t want all my money to go strictly to bills then be broke. I don’t have cable and drive a basic 2005 Nissan that I paid off about 3 years ago. Nothing fancy at all and I don’t get my nails done or really shop. I’m not completely out of debt but I’m working on it. I have future career plans and already have a degree…once I really get going in my career, that’s when I’ll upgrade a bit.

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  3. Though this idea might not work for some..it will work for many. What took her 5years might take some of us 10YRS. The Big picture is to START with whatever little however long. Rome wasn’t built in a day.

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    1. KS Wright says:

      Exactly. People have to stop saying what they CAN’T do and at least TRY! The first thing they can do is create a journal or log for 30 days to see what they’re spending their money on. They’d be surprised.

      (2)
    2. One foot in front of the other one day at a time…I remember doing dollar a day challenge just so I could save $1200+ per year and surrounding myself with positive people on the move that are willing to encourage me.

      (2)
  4. I follow her Facebook page Dream Catcher: Live Richer. So much knowledge, helpful advice and support in the group.

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    1. Thanks for the info!

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  5. I have to be honest… I paid off debt making around the same… we really have to financially educate each other

    (3)
  6. Naila N Cartier These “i did it my own” stories bother me as well. I think its taboo i suppose. But some people really have NO idea what family support means. Not only does it help financially, but it helps psychologically because you are not afraid to make that leap. Now, I started a shoe line, with no help YEARS ago, and I admired Necole because of her story. She showcased my line when i sent her a pair of shoes. I’ve had to have so much strength in life and while it hasn’t made me bitter, i sure as heck am realistic about things.

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  7. Erika says:

    Good for you, Tiffany! I applaud you for your courage and accountability in tackling such a huge obstacle — instead of filing bankruptcy. (No judgement for those who do — debt is no joke anf definitely all too familiar.) Thank you for sharing!

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  8. JC says:

    I loved the article. It is ONE way of doing things. There are many. I think the overarching message was to do something. Even if you just shave $200 a month off of expenses that is still $2400 in savings for the year. Even if it takes someone 5 years vs 2 it is the act of doing something and moving forward. I really don’t see how something negative can come from this article.

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    1. Aja says:

      Great story and inspiring. I don’t understand why some posterd find it hard to believe people can pay off debt. Sure it depends on the circumstances and priorities however anything is possible.

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  9. You were making $12 an hour…WHERE!?

    (-1)
    1. Michigan. Our minimum wage is $8.50. And Jesus wept…

      (3)
    2. Tanya Ridley says:

      Yesss. How did she survive and save so much while making so little? I must follow her?

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    3. Girl my last job was even LESS. I would kill for $12/hr. That’s just sad.

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    4. @fefe where are you located?

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  10. Exactly! Making $12 an hour is poverty level

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  11. Doing Tiffany aka the Budgetnista savings challenge and being in the Dream Catchers: Live Richer group has helped me take control of my finances. Instead of knocking her story check out her sight and see for yourself!

    (2)
  12. Leslie B. says:

    I LOVE LOVE LOVE this post. I am good at budgeting and paying my bills, but i definitely have room for improvement. I recently purchased a house and found myself increasing my debt by trying to get my house fully furnished. I definitely plan on trying some of her tips, especially the first one about living off of one check and saving the other. That’s ingenious! Have any of you read her book?

    (2)
  13. Tiffanie B. says:

    This was amazing to read. Honestly, I try to be a budgeting machine but when it comes down to actually putting my plans into action, they become delayed. I feel stagnant. Reading this had made me decide to stop delaying my plans and actually doing something that will benefit me and my financial growth. I recently found a really neat budget from McDonald’s, believe it or not. It was published on the Forbes website and it was not received well because of McDonald’s min wage, but if you apply the budget to your own life and edit to towards what you receive vs. what you spend, I find it to be very helpful but once again that’s me personally. I’ve given the budget plan to some of my co-workers and they love it. You can find a sample of the budget here, http://www.forbes.com/sites/laurashin/2013/07/18/why-mcdonalds-employee-budget-has-everyone-up-in-arms/#5b4009c37a62 or simply google, “McDonald’s budget”. It really helped me to see what I need to set aside for saving, what I’m actually spending money on and what I should spend every day on a monthly basis. If you use this budget, I’d like to hear feedback.

    (2)
  14. Exactly!!! I pulled my credit report () and made some phone calls… I have the book “girl, get your credit straight” and settled a lot of debt for less than what I owe. I use my tax refund to pay current debt, student loan debt, and save. Financial literacy is important.

    (1)
    1. KS Wright says:

      I have that book on my shelf. Had it for over 10 years and never read it. I also have “Girl Make Your Money Grow”, and I’m finishing it up as we type. This is my year to begin my road to wealth by investing.

      (0)
  15. Yep, me too, my brother drowned as a child, my Mom went into a very deep clinical depression. I was taken away at 13, and aged out of foster care. I am 34 now, and have a congenital heart condition, I am in hospitals alone, and in life alone, period. Yet i have never received gov assistance and have always had to struggle to pay bills. Thank God i found a great best friend/fiance 4 years ago whom i can now trust and count on.

    (1)
  16. I thought I was the only one that felt like this was very important information that wasn’t highlighted. Everyone does not have the kind option of cutting housing costs.

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  17. Alex says:

    Bookmarked and signed up for Digit. 2016 IS going to be different.

    (1)
  18. T. says:

    I completed the Live Richer Challenge at the beginning of the year and the results were amazing! I don’t live or spend excessively so I didn’t think there was much more I could do to save but I was wrong. During this challenge I was able to save almost $1000. I have followed advice from only experts but I have never seen results like this before. Tiffany is very knowledgeable and has great advice to truly live richer. Participating in the challenge was absolutely the best thing I did for my finances.

    (1)
  19. Shydeia Caldwell says:

    This is a really inspiring story because I’m personally working on my saving skills. As well as bettering my credit score, so the envelope money idea is great for me!

    (1)
  20. Pink says:

    this post is golden. so many jewels. for me personally bad habits set in and you repeat a never ending cycle. after the recession it was hard for me to get a job then I landed a good one and five years later they moved their workforce to a cheaper place from NY to Dallas. I temp but I no longer have it in me to be enployed by someone else bc there will always be some reason that will cut you time short. in cases like that these are good tenets to live by to break that financial rut.

    (1)
  21. Vee Dub Ya says:

    Franders Yb I hear you. I find it hard talking to friends about paying things off when they have room mates and live in boyfriends or parents..no shade to them though.

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  22. Lk says:

    *good area

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  23. vuli says:

    thank you for the advice.

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  24. LoudestWhisper19 says:

    I am such a fan of Tiffany! She inspiring me to save every penny. Great tips within this article.

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  25. ShondaFBraam says:

    We are a group of volunteers and opening a whole new scheme inside our community.
    Your site offered us with valuable information to work on. You’ve
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    (0)
  26. Lk says:

    Why do those stories comes out as judgmental every single time?

    I decided in 2014 to erase my credit card debt my way . I am sure I could have paid it sooner but I am doing in a way where I am comfortable with my budget. I have a kid so my condo as to be located in a hood area.

    Savings is a choice , stop shaming the people who don’t. I put 17k as a down payment for my condo because I chose to invest in my home and pay off 7k of debt ( medical bills and credit cards little by lititle ) I have 3k left. Those choices made sense to me.

    I emptied my savings but I was happy because Austin rentals are getting ridiculous. I am now rebuilding it , it’s harder because I have more responsibilities but it was my choice.
    If you wanna to built a nest egg and save and sacrifice, then great for you . Everyone needs to find their own balance. Each situation is unique. People goals are different. My bills are always paid on time and yes shoes are taking over but I am happy.

    (-4)
    1. Aja says:

      LK I didn’t see any judgement in Tiffany’s post.😞

      (3)

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