I never wanted the fact that I was a single parent to be a crutch. I didn’t want anyone to look at me in a “poor Dorethia and her kids” kind of way. I was determined to ensure that my girls didn’t miss out on anything because they weren’t in a two-parent home. But the reality is that it was hard.I was a young mother with two daughters, trying to figure life out and broke. I was working and going to school, both full time, but not making enough to cover all of my bills, let alone an emergency. I took jobs as a receptionist because it was an easy way to make money and I was good at it. But, it was entry-level.Truthfully, I can’t blame it all on earning a low wage either, because as my income grew, I made some poor decisions. I was never one to blow money on shopping, but I leased a truck I couldn’t afford. The truck payment coupled with Detroit car insurance costs was outrageous. I purchased new windows on installment and a few other things — things everyone else did too, so it seemed like it made sense.
Feeling the Pressure
I think the creditor calls were the worst. Their harassment would often send me into a panic. I was trying to figure out how I could pay them off so that they’d stop calling. There were many nights of terrible stress. I remember crying myself to sleep worried about my bills. It was horrible. I was trying hard to fix it. I knew I needed to increase my income, so I adopted side hustles. I cleaned houses and sold candles and jewelry to try to make up the difference. But, it was never enough.
Original article published on Go Banking Rates. Click here to view the full article.
Author Dorethia Kelly
Dorethia Kelly, MBA is an Award-winning Financial Expert, Personal Finance and Business Coach, Author, and CEO of #MoneyChat®. She is also the author of #MoneyChat THE BOOK. Dorethia empowers individuals to reach financial, entrepreneurial and career goals with coaching, and keynotes. Here online #MoneyChat Community, Membership and Masterclasses have empowered countless individuals and entrepreneurs to reach their goals.
Dorethia has been featured in various national media, including CNBC, Black Enterprise, U.S. News, USA Today and Experian. Connect with @DorethiaKelly online. Visit dorethiakelly.com & moneychatbook.com
#MoneyChat THE BOOK – How to Get Out of Debt, Manage Your Money and Create Financial Security – is available now! Get your copy on Amazon or anywhere you buy books today!
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