Disclaimer & Introduction

Hello, world! Thanks for stopping by my blog. My name is Mallory, and I’m a twenty-something single parent to a beautiful little girl.  My life took an unexpected turn last year when I became a single mom. The purpose of this blog is to share with you my journey to financial freedom and living a debt free life. On September 21, 2014, I calculated my total debt to be $50,147! It’s not that hard to do when you have student loans, credit card debt, medical bills, car payments, attorney fees, etc.  Prior to my financial reality check, I had no idea how I got there because I was living in such denial. After reading a copy of Dave Ramsey’s Total Money Makeover was given to me by a dear friend, I decided to make a change. I was paying hundreds of dollars a month towards my debt. I am so proud to say that since I started my debt free journey last September, I have paid off a total of $12,720! My remaining debt is my student loans, and I will later write about why it’s important to me to share this with you. In my blog I will also discuss affordable activities that I’ve discovered to do with my daughter.

I want to give my daughter the best life possible. I decided to make a change because I realized that with the amount of money I pay each month towards my debt, that was money that I could be putting towards our future. I could use that money to build wealth.  I could use that money to invest in her college fund, retirement, mutual funds, put towards an emergency fund, save for a down payment on a house or even to be able to afford extra curricular activities for her to do once she’s old enough like dancing or swim classes.

I also want my readers to know that I am a Christian, and that in my blog posts I may make references to verses or Christian related principles.  My financial journey is very much spiritual, and my faith is what got me through the dark times in my life. My faith is not a tool to make others feel offended or discriminated. With that being said, this is not a blog just for Christian readers. I would like all people from different backgrounds to feel welcome to read my blog because we can all relate to money!

I work as a social worker in a hospital setting and I choose not to disclose my employer’s name, but still would like to say that the views and opinions expressed in my blog are my own and not those of my employers or any third party.