Category Archives: Personal Development

My Six Month Solo Trip and What It Taught Me

March of 2021, I began my solo trip. I originally planned this trip for 2020, but had to reschedule for 2021 due to COVID. I spent six months on the road. It’s was a great trip, but it taught me a lot more about who I am and it made me realize what I really want. Before I get into that, let me tell you a little about my background so my experience during my solo trip makes sense.

While in the military, I traveled a lot. During my career as CEO of my first company, I traveled a lot. Now, I travel when I need to travel or by my personal choice. How did I get here? From an early age, I wanted to be a CEO. I used to stare off into the distance and think how my life would be as a CEO. I wanted the money, the freedom, and the nice office. I had all of those things. However, the most import thing I’ve gained over the years are the skills and the mindset to be a CEO. Just like most things in life, there will be ups and downs, but I enjoyed my journey and I appreciate what I learned and who I’ve become as a person and CEO.

The top skill to have when running a business is problem solving, you have to be able to think on your feet at all times. Not only are you running the business, but you’re managing and teaching others at the same time. Anything could go wrong at anytime.

Another important skill to have is resilience. Things are not always going to work out, so when things fail, you’ll need to figure out away to get things back on track.

During my solo trip I visited old friends and family members I haven’t seen in awhile. While in those cities, I visited old spots I used to love while living or visiting there before. I visited the following cities:

Chicago, IL

New Jersey

Washington D.C

Atlanta, GA

Pelzer, SC

Miami, Florida

I traveled by car, train, and plane. I traveled during the day and at night. It was a lot of fun, but here is what I learned from revisiting people and places. Sometimes when you’re meant to go to a certain level that’s only meant for you, it’s not meant for everyone to understand. It’s not meant for everyone to go with you either. I discovered that my mindset had changed completely. So much so, that I couldn’t relate to a lot of people anymore. Everything had changed. It’s was a great moment for me. The lesson here is to stop letting people back into your life that’s not meant to be there. Continue to move forward without looking back.

Chicago, IL – I used to live in Chicago. I opened an office here for my first company, Direct Consultants, LLC.

New Jersey – A two-day camping trip at Mahlon Dickerson County Reservation.

Washington, D.C. – A two day train ride to Atlanta, GA

Atlanta, GA – I got the chance to party and catch up with old friends. I relaxed a lot in Atlanta.

Charlotte, NC – I celebrated my 32nd birthday. There was a lot of dancing and tequila.

Pelzer, SC – My hometown. I visited family and childhood friends.

Miami, FL – I invited my brother on this trip. We drank early in the morning and spent a lot of time at the beach.

How did traveling for six months change my perspective. I learned that no matter where you travel or live, you’ll always experience the same things and the same people. This is why you should always decide to move and travel for a new experience. Learn something new. Meet new people. Try something new, from an experience to a new food or drink. It also showed me what I really want in life and that is stability. Anything that comes before is there to help get the stability or after when things are drawn to you based on where you are in life.

What are some of the activities I did while traveling to each state:

Chicago: I paid $100 for a steak dinner. It was worth it. I also got my teeth cleaned.

New Jersey- I camped at a camping ground for two days. I hiked through the mountains most of the time.

Washington: I shopped at a train station for the first time.

Atlanta: I went to my first seafood boil.

Charlotte: I took personal training classes.

Pelzer: I slept outside in my hammock.

Miami: I stayed at a airport hotel for the first time and I was able to begin drinking mimosas at 9 a.m. at a restaurant.

I planned this trip for over a year, but I had the idea for several years. The one thing I loved about the military was the traveling. We were aways on the go. I’m that type of person. But, this time I got to do it on my own. I was so excited about this experience and still am. Now, I’m back in New York. I’m so ready for what’s next. For the countries I didn’t get a chance to visit this time, my next solo trip will be different countries ONLY.

My next blog post will explain how I was able to manage traveling for six months while running my company, MJI. I’ll discuss what I accomplished with my company in just six months.

The Pros and Cons of Change; Leveling Up

Fear. That’s what most people feel when they need or want to change. It’s a lot easier to remain the same. Same lifestyle. Same friends. Same mindset. It’s doesn’t require a lot of work. If you choose to remain the same, you’ll never be required to be different.

There is nothing wrong with feeling fear. The problem is not learning how to move forward despite of. Most of us understand this feeling because we, ourselves, have felt it before or may be holding back on change because of it.

I’m not the fearing type, however, one of my biggest stressors was not being successful. I had to be successful. As I mentioned in my last post, I would try to force things because I felt that’s what needed to work to push me forward. Only to find out, it wasn’t. It wasn’t part of the plan.

For a better understanding of what change is, below is a list of different types of changes.

◾️New career or job

◾️Moving away from home

◾️New friends

◾️Being in leadership

◾️Changing your lifestyle

◾️ Failing

◾️Starting over

◾️Saying no and standing up

◾️Not getting what you want

There are many other examples of change, but everyone’s journey is different. One of the main reasons people fear change is the reaction to the change. Many people are also fearful of your change. Here is a list of pros and cons of change:

You don’t believe you can do it.

◾️Con: This is a lack of confidence in yourself and what you can do.

◾️Pro: Instead of focusing on what you can’t do. Focus on what you can.

You care about what others may think.

◾️Con: Caring about what others think will thwart you from everything in life. No matter what you do, people will always have something negative to say.

◾️Pro: You can use what others think or say to fuel what’s needed to go to the next level. This doesn’t mean try to prove them wrong. It means to allow how you feel about their negativity to encourage yourself to keep going.

You lack the resources to change.

◾️ Con: This just means it may take a little longer to get started or to move forward.

◾️Pro: You can create your own resources. It this case, you’ll take full credit for doing it yourself.

You will lose friends and family over your change.

◾️Con: You’ll miss them. You may even resent them for making it harder for you to change.

◾️Pro: You chose you. It’s always best to do what’s best for you. You’ll be proud of yourself later.

You’re afraid you may fail.

◾️Con: You will fail.

◾️Pro: Failure is good. It teaches you a lot about yourself. Once you learn how to deal with it, you’ll always have the resilience to bounce back no matter how bad things get.

“It’s never too late to start over.” – Joyce Meyer

Change is part of life. It’s inevitable. The hardest part about change is not changing. Always remaining the same. Fear is normal, but don’t allow it to hold you back.

Written by: Myeka Johnson

How Change Is a Key Factor to a Great Life

Change is a big part of growth. It’s also a big part of success.

“Success is based on how you handle difficult things well.” – Jeff Bezos

For a little over a month, I’ve been on a solo trip. I’ve met new people, experienced new things and visited new places. One of the main things I’ve concluded is no matter where you are, you can make the most out of life depending on how you view it. I left home at eighteen. I’ve lived in different states and countries. I’ve met people from different cultures. I have lived long enough to understand life can only be lived how you choose to live it. The location doesn’t matter. Your job or title doesn’t matter. Your family, friends, and environment doesn’t matter when it comes to how you CHOOSE to view life.

All of those factors matter when it comes to your experiences, but every experience brings a new lesson. I’ve always been a strong believer on you should live how you want to live and be who you choose to be. One of the main reasons I’m so successful is I’m not afraid to take risks. I also love change. I love experiencing new things. New people. New experiences. There is nothing better than learning who you are and who you are not.

Here are a few inevitable things to accept about life:

– Life will never be perfect, but it doesn’t mean life can’t be great

– Losing people and things doesn’t mean you failed. It means it’s time for something new.

– Your gut feeling is always right.

– How you allow someone to treat you is how they’ll always treat you.

– Chasing fame, popularity, and the idea of always being liked, will cost you. You’ll lose yourself in the mist of it all.

– Life is about being respected, not liked.

– Being real may bring enemies, but being fake is its on enemy. As long as you are liked, loved, and supported by the “right” people, you’ll always move forward.

– Timing is everything. Never rush the process. Enjoy it.

“I used to rush everything. Especially, when things weren’t going well. I thought if I forced it, things wouldn’t seem as bad. Or, they would go away. This was my mindset in life, relationships, everything. I finally learned after awhile, to let things happen the way they’re meant to happen, when they’re meant to happen. It’ll show you what’s meant to be. “ – Myeka Johnson

– Karma doesn’t always happen on the outside.

– Life is about meeting people where they are. This doesn’t mean you have to accept them. It means you’re willing to understand them.

– Being alone is better than being with the wrong people.

– People don’t break your heart, they break your expectations.

– Sometimes when you’re in a place of uncertainty, you feel uncomfortable and you no longer want to be there. Wait! You may be where you are for the right people or things.

– When people can no longer control you, they try to control your reputation. Don’t feel sorry for the people who do this, feel sorry for the people who believe them.

– Choose to be hated for who you are than loved for who you aren’t.

Written by: Myeka Johnson

Four Ways to Get Through Your Healing Process

At some point in life, you’ll have to heal from your past to have a happy and prosperous life. As you go through this journey, you’ll experience setbacks, newly discovered emotions, and fear of the unknown. There may be a period throughout your journey where you’re not quite sure what’s going on. You may feel uneasy and unsure, but that’s the time you should buckle down and push yourself harder than before. Below is a list of things you will experience while healing, but understand these things are normal and necessary.

#1) You won’t know where to start, but get started anyway.

⁃ The moment you decide you want to heel, begin the journey. It doesn’t matter where you are in life, career, money, or relationships. Those things could have an effect on you at the beginning, but when you begin your healing process- take time to decide which step you want to take first.

#2) You don’t know how long the healing process will take, so don’t try to figure it out.

⁃ When I started my healing journey, I had no idea it would take me two years to heal. But, here’s the twist. It took me another 3-4 years to accept my new life and adjust to it. My journey was hard, but I learned a lot about emotions, people, healing from traumatic experiences, and most importantly, I learned how to enjoy my life while healing.

#3) Once you start your journey, SET BOUNDARIES.

⁃ Have you ever heard the saying, “You can’t heal where you hurt.” This is a true statement. You can make the necessary changes to your life in the same environment that hurt you. Many of us had to learn this early in life. If you wait too long, you may miss your window. How we are raised or where we grow up has an effect on how we are molded. Anything and anyone that is harmful to your journey, you need to let it or them go. EVEN IF IT HURTS.

#4) Don’t decide to heal for someone else. DO THIS FOR YOU.

⁃ DON’T WORRY ABOUT WHAT OTHERS THINK OR HOW THEY FEEL WHEN YOU DECIDE TO DO WHAT’S BEST FOR YOU. Once you decide to change, many people will try to convince you not to in many negative ways. For example, they will stop talking to you. They will laugh and talk about you. They will try to make your journey harder for you. Don’t worry. The change you are making makes them feel less in control of you. They don’t like it because their control over you is what they depended on to make them feel better about themselves. Do you.

When I was on my journey, I’ll never forget asking God when everything I am going through would make sense. At times, I would get discouraged for going backwards. The most disappointing thing I faced was feeling bad Overtime, I learned to understand to accept it and move on. If I got mad, irritated, or angry, I would feel bad. However, this is part of healing from your past. You will experience emotions you’ve never experienced or haven’t experienced in a long time. If you want a new life, start your healing now. You got this. Write down where you want to be and work towards that goal.

Prosperity VS. Luck

Recently, I was talking to a friend who happened to be an atheist. Her outlook on life is” life just happens.” I responded with “I believe everything happens for a reason.” Both, her and I logic makes sense based on how we were raised, how we live our lives, and what we know thus far. After our conversation, I thought about if things really just happen or is it part of our purpose in life. So, what is the difference between prosperity and luck and will it happen for you?

Does life just happen?

When something tragic happens, we ask why? Why did this happen to me or why did this happen to a good person? Many would say, it had to happen. Others would say, it just happened. You can be a good person and bad things happen to you. You can be a bad person and good things happen to you. We are not going to completely understand why things happen, but how we deal with it is important. One thing my friend and I debated about was if it happens, then it just happened, but my logic was since it happened, it was meant to be for a reason.

Do you have a purpose?

When you wake up in the morning, do you feel happy where you are in life or do you feel discouraged? Feeling this way, no matter what age, means it’s time for a change in your life or career. Finding your purpose can never come too late, however never rush the process. You don’t want to be living your purpose without being ready for your purpose. If you don’t know what you’re meant to do in life, then I suggest exploring life (people, places, activities) to further your knowledge of the world and what’s needed. You can’t save everyone, but you can make a difference.

Why is life so confusing?

Life is hard. Life is confusing. Life is unfair. But, life is meant to be lived. Even if you don’t know what you’re meant to do, that doesn’t mean you aren’t supposed to live your life. Some people just live. Others, live for a purpose. So, why does it seem to get harder once you’ve set a goal? Here are the some cons of success:

Rejection

Copycats

Rumors/lies

Lack of support

Ostracized from a particular group of people

Betrayal

Jealousy, envy, and hate

Discrediting

These cons can cause you to experience the following:

Success anxiety

Fear

Rejection resentment

Imposter syndrome

What if the purpose you had in mind doesn’t happen?

No one knows if things are going to actually happen. We want it happen, we plan for it to happen, but we don’t know if it will. At some point in your life you will experience “silence.” This could happen when you have accomplished everything and you’re happy and this could also happen when you are struggling in life and are not happy. It’s called the “silent year(s).” It sucks, but this is the time in your life when you are meant to learn more about you.

How to Deal With Being at the Bottom

First, YOU ARE NOT AT THE BOTTOM. If someone makes you feel that you are or tells you that you are, that has nothing to do with you. They have the problem. People tend to put others in categories because they are trying to decide how to treat you. It’s a combination of fear, jealousy, and insecurities within them and unfortunately, people don’t want to see you shine because you have something they lack.

Remember, it’s not about where you are from, what you have, or who you know. It’s all about having the right mindset and pushing through challenges and adversity to reach your goals. Keep in mind, most of those people are living a pretend life.

Here are the top five reasons why people hate on you after failing to defeat you:

  1. You improved.
  2. You surpassed them.
  3. They passed on you, so now they hate on you.
  4. You weren’t supposed to become anything.
  5. You stepped away from the nonsense. You escaped and survived. Your haters didn’t.

Here is how to deal with not feeling good enough:

DON’T

“When people can’t control you, they “try” to control your reputation. Those who believe them, were not for you.”

“People hate on your ability to reach what they can’t touch. That’s not your problem. If they want it, they should work hard to get reach it. Just like you.”

“People pretend to support you when they feel they can’t be defeated or until, you defeat them.”

“If you live a life pretending to be someone you’re not, you’ll always have to be that person to make progress. Isn’t it smarter to be you and allow what or who is meant to be in your life, come to you?”

“What’s meant for you is what’s meant for you. No matter what others say, think or do, it won’t stop your purpose. Focus on you.”

“Having haters means you are doing something right.”

“Criticism is self-hate turned outward.”

“When they see strength in you, they begin to see weaknesses within themselves. Let them deal with that. It’s not your responsibility.”

“Fuck them.”

How To Live For YOU

You should push to live for YOU every day. Happiness comes from within, so if you’re looking for happiness in your career, family, friends, titles, etc., then you’re going to be disappointed all the time. Happiness is a good thing, but nothing beats being in love with yourself. Ten or twenty years from now, when you look at your life, being proud of your success and who you’ve become will be one of the most pivotal moments of your life- if you live YOUR life. The majority don’t know how to think for themselves. This is why you see so many people doing the same things. Why not stand out?

How do you know if you aren’t living for YOU:

Everyone likes you.

You make decisions based on what others “may” think.

You can’t think for yourself.

You have to be around everyone and everything all the time.

You can’t be alone.

You don’t who are or who you want to be.

You hold back because you don’t want to lose people.

You’re a follower, not a leader.

Living your truth is really important to your success and your future. If you are willing to accept what comes with choosing you, then my next point will help you get there. In order to live for you, you first have to think for yourself. Thinking for yourself begins with the way your subconscious thinks. This development begins early in life and is affected by your environment, your circle of friends, family, and experiences. Read my blog post on how to reprogram your subconscious.

https://myekajohnsoninc.com/2019/01/24/reprogramming-the-subconscious-for-your-new-journey/

What programs your subconscious?

Your circle

What you watch on televison

What you read and study

Your experiences. If your experiences are bad, to reprogram your subconscious, you need to create new and positive experiences.

Your words. “The words that come from your mouth, you’re the first to hear.” – India Arie

Your decisions

How you handle certain situations

Relationships

How you spend your time

Living for YOU requires you to be rejected and lose people in your life. That’s okay. This process is about you and if you’re the chosen one, it won’t matter later anyway. What’s meant to be, will be. Everyone isn’t going to like you or be for you. Whenever you are set to do BIG things, you lose those you love the most, first. It’s a test. The higher you go, the stronger the test. Below are two blog posts that could help you understand why this happens and how to deal with it.

https://myekajohnsoninc.com/2019/11/07/how-to-succeed-the-non-traditional-way/

https://myekajohnsoninc.com/2019/04/28/i-am-a-woman-and-i-am-in-leadership/

If you want to live for YOU, then Do YOU. Fuck what others think or how they feel. Most of the time, they are jealous. They can’t do it or are afraid to, so they try to stop you. When they realize they can’t stop you, then they copy you. Jealousy is real and people have done crazy things out of jealousy. If they aren’t trying to help you, then leave them alone and do what you need to do to have a great life and to be happy. You aren’t responsible for their life.

How I Survived as a Young Girl Without a Mother

Many of you have heard my story about growing up without my mother in my household. All teenagers need both parents to teach them about adulthood. Unfortunately, some of us don’t have that option. A parent may have died. Parents may have gotten a divorce or one parent left the family. In my case, my parents got a divorce and my dad received custody of my brother and me. Both of my parents were dysfunctional, but my dad still received custody.

My household was not normal. Neither of my parents were educated. We didn’t have money. We lived in poverty. Both of my parents lacked normal life skills, but knew some of the basic life skills needed to barely survive. This was the usual within my extended family and environment. This motivated me to want more, so I taught myself how to be the woman I wanted to be. Before I go into what I did to survive, I’m going to list the struggles I had to overcome to survive, first:

Family

Jealousy/Competition

Lack of support/Choosing who to support

Rumors/Lies

Rape

Insults/Down playing your goals and dreams

Personal

Motherless household

Lack of resources

Lived in poverty

Uneducated parents

Despite the struggles I had to overcome first, I was able to teach myself the basics of survival. Here’s how:

I read a lot of books to learn about life and people.

I took every opportunity that came my way so I could learn about the world and develop skills that would benefit later in life.

I asked questions every chance I got.

I paid close attention to how people were around me and pushed myself not to become how they were.

To balance my mental health, I wrote down my feelings, goals and dreams, struggles, and much more daily .

I knew what I wanted to do in life, so I only focused on the things I knew would get me there and I didn’t allow the things that wouldn’t into my life.

Growing up without my mother in my household was hard, but dealing with family members who used your circumstances against you was even harder. The same people who put me in the position used my struggles as a young woman against me and refused to help. If you start off in the struggle, without resources, your family coming against you, living in poverty, and lack of support- It’s going to make the process of survival even harder. I had to live to live to survive first, before I was able to live.

The Mindset of Success

Have you ever wondered why when things are going well, other things began to go bad? For example, when you’re happy and negative thoughts begin to take over your mind. What about when you set a goal, reach that goal, then a friend or family member turns their back on you? There are pros and cons to life, no matter what we do or how we do them. Have you ever heard the saying, “No matter what you do, good or bad, someone will find something wrong.” That’s a true statement. I’ve always said, do what you want and be who you want to be because not everyone is going to like or approve. You can’t have success without cons. This doesn’t mean you can’t enjoy your success, but you can only enjoy it if you understand the cons, first. Here is what you need to understand about success.

Negative thinking:

The way we think is based on many factors. Those factors consist of who we hang around, what we watch on television, what we eat, etc. Negative thinking could and will randomly happen when you least expect it. I like to call that an “attack.” This is your mind attacking you from the inside. All the things we allow inside will eventually come out some way, somehow. Most negative things we allow on the inside will come out through our actions, how we treat others, how we spend our time, and the most crucial one, our mindset. Your mindset is the most important factor to your success. It determines how far you’ll go in life. Which brings me to my next point. Disapproval from others. To be successful, you’re going to have to change. It may not feel right or be easy, but you have to grow in every aspect of your life to reach your highest potential. Here are five crucial factors that affect your mindset:

  1. Your environment (neighborhood, household, church, etc.).
  2. Your circle (friends, family members, influences, etc.).
  3. Your entertainment (music, television shows, reading material. etc.).
  4. Your mindset (your character, your personality, how you treat others, decisions, habits, etc.).
  5. How you think of yourself and how you treat YOU. People will treat you how you treat yourself.

https://myekajohnsoninc.com/2019/01/24/reprogramming-the-subconscious-for-your-new-journey/

Disapproval from others:

Disappointment usually comes from wanting to be loved and accepted by those you love and care for the most. You’re human, so it’s okay to feel this way and want this from close friends and family. However, this can also thwart you from achieving success because you become addicted to wanting it from them, so that becomes your focus. You can’t expect to reach new heights in life and take people who aren’t meant to be there, with you. This is why maturing and allowing yourself to change is important. You have to be strong enough to accept this and move on from it. There is no other way. Many people can’t handle not being invited to things, people not liking them, people talking about them, or people discrediting their success, character, and reputation. So, they give up on what’s important to them to become successful and give in to their enemies. There are willing to do what their enemies what them to do, act how they want them to act, and be someone they’re not because it’s easier. However, it will affect them later in life. You will lose close friends. Your circle will become small. Those you love may give up on you. It’s all part of the process. Remember, what’s meant for you will eventually find its way back.

https://myekajohnsoninc.com/2019/11/07/how-to-succeed-the-non-traditional-way/

The thought of fear:

Fear is the downfall of success. You can fear being successful and you can fear the feeling of failure of not becoming successful. At the end of the day, we all fear what others may think about our lives and what we choose to do with it. People tend to treat you how they see you. This is why so many people work hard to appear successful, but realistically, they are not. Success is a term we use to define who we are and what we have achieved. Many people never become what they would like to become in life because they fear what may happen or not happen. Others fear success because they can’t handle what comes with success. Either way, you may have to deal with things that are uncomfortable but it’s part of the journey. Not allowing yourself to deal with the uncertainty will stop you from growing and maturing into the person you need to be to achieve your success. Allowing it will teach you things about yourself and life that will be beneficial to your future.

https://myekajohnsoninc.com/2019/12/30/success-without-haters-isnt-success/

The Top Ten Things you will go through being successful:

  1. Having haters and others praying and wanting you to fail
  2. Uncertainty of what to do next or how to do it
  3. Uncertainty of where you are going and how
  4. Failure and the embarrassment, shame, and guilt you may feel from it
  5. Lost of friends, family, and those you care for the most
  6. Fear of making the same mistakes
  7. Making the same mistakes
  8. Stages of instability
  9. Fear it may not work out
  10. Feelings of regret, failure, uncertainty, and fear

Turning Thirty and In Debt; Living in New York City

What’s the one thing we all struggle with in adulthood? DEBT! From school debt to credit card debt, we all owe someone something. If you don’t, lucky you. My debt included student loans, money spent starting multiple companies, and moving to different states all in my twenties. At one point my debt was above $90,000. Recently, I watched a video where this 25 year old who makes $70,000 or more a year pays all of her monthly bills, except her student loans. Her student loan debt is $115,000. I met a 23 year old who makes $163,000 a year and paid $12,000 of his student loan debt within five months. They both live in New York City.

Living in New York is expensive. I live in New York City and I make six figures a year with nearly $20,000 in debt. However, I have multiple strings of income and in 2018, I hired an accountant to help balance my income to debt ratio. The main reason for hiring an accountant was so I could purchase my dream home. Before hiring an accountant, I hired a debt relief company to go through my credit report and do an analysis. They help me raise my credit score and decrease my debt.

New York vs. North Carolina

I lived in Uptown Charlotte, North Carolina for three years and two months. Before the statewide quarantine executive order, I worked in both New York and New Jersey through out the week and I commuted and worked 10 hours per day. I spent two of those hours in traffic. LOL! The cost of living in North Carolina is a lot less cheaper than New York. Below shows the difference between my expenses living in both states:

Rent:

NC: $2,300 (two bedroom/two bathrooms/1160 sq ft.)

NY: $3, 200 (1 bedroom/1 bathroom/501 sq ft.)

Transportation:

NC: Less than $100 monthly

NC: $400 monthly

Utilities:

NC: Less than $100 monthly

NY: Nearly $300 monthly

Gas for car:

NC: $100-$150 monthly

NY: $300 monthly (work 6 days a week)

Going out:

NC: $50 -$75 each time

NY: $150 -$200 each time

Insurance (dental, car, renters):

NC: $430

NY: $800

Here is how I got out of debt:

*This is based on the money I had in my savings and having multiple strings of income, which gave me a head start. I also used the money from my retirement. I did not borrow money.

Step #1) I hired an accountant.

Step #2) I consolidated my debt. This will help decrease the interest rate.

Step #3) I created a budget and set saving goals for one year.

Step #4) I called each creditor to see if there were any special offers to reduce amount owed.

Step #5) I paid off the smaller amounts due in full first.

Step #6) I sold things I didn’t need or use anymore.

Step #7) I limited the quantity of non-essential needs (nails, hair, spa, eating out, going out, etc.)

Step #8) I saved a certain amount of money per month.

Step #9) I went generic.

How I raised my credit score:

Step #1) I consolidated my debt.

Step #2) I paid off 50% or more of my debt in a little over a year.

Step #3) I paid my bills on time.

Step #4) I got a credit card to use for small expenses, like gas, food, etc. I paid off the amount spent on the credit card before it was due. (Give or take, within 7 days)

Getting out of debt takes a lot of discipline and a lot of sacrifice. I did not do it alone. Between my accountant, the debt consolidation company, and individuals whose stories and concepts I used, I was able to pay off my debt and raise my credit score. I did however, use my own money. My success as a business owner and my career choices also helped me get out of debt and reach my financial goals.