A New Job, A New Challenge
My mother’s new job marked a major shift—our family no longer needed government assistance. But with that financial independence came another challenge: managing money wisely. Like many in our community, my mom never learned the basics of financial literacy.
She never learned how to budget, save, or invest, so she couldn’t teach me those skills.
Watching the Struggle Up Close
I remember watching her budget with pen and paper, doing her best to stretch every dollar. She paid the bills and made sure we had what we needed—but there was never anything left to save. That wasn’t her fault. Financial education wasn’t part of our school curriculum or community culture.
And this is exactly why breaking the cycle of financial illiteracy became one of my life’s goals.
What It Takes to Break the Cycle
As I got older, I realized that escaping debt and creating a stable financial future isn’t just about making more money. It’s about:
- Shifting your mindset
- Gaining financial knowledge
- Challenging long-held beliefs about money
I began by reading personal finance books, then started attending free workshops, and eventually followed people who were building real wealth. As a result, I slowly but surely changed my financial habits.
It wasn’t easy. Over time, I paid off debt; then, I built an emergency fund and eventually started saving for the future.
Your Journey Can Start Today
In future posts, I’ll dive deeper into the exact steps I took to get out of debt and build financial independence. If you’re ready to start breaking the cycle of financial illiteracy in your own life or for your family, you’re not alone—and it’s never too late to learn.
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