Becoming Financially Savvy

We all stumble on our paths to financial wellbeing. Rather than hide my mistakes of the past years in shame, I share them openly today in hopes it inspires self-compassion and progress for anyone who connects with my experiences. My Regrettable Money Blunders Pre-2022: - No emergency savings fund   - No financial plan or intentional money goals   - Constant debt and perpetual overspending    - Failure to budget whatsoever - Not tracking expenses consistently - Out earning my income chronically   - Never educating myself on how to grow money  Does any of that resonate with your early money journey too? It's so common yet so destabilizing! The Hard Lessons 2022 Taught Me: I slowly turned things around through education and community support. But growth includes slip ups too... My 2023 Stumbles So Far: - Still accumulating some debts - Thinking real estate impossible for me  - Briefly splurging emergency savings for validation   -...

  The past year gifted me a pivotal realization - I alone can shape the financial direction of my life. After years of entitlement and dependence, I discovered my unlimited potential to earn, manage, and grow money with empowered competence.  The days of crippling self-doubt are over. I now proudly declare my financial capabilities and worth.  My biggest failure around validation-seeking taught me volumes. When I shared my first hard-earned savings, it invited only exploitation from insecure people which obliterated my confidence further. This trauma won't repeat. My inner self-assurance won't sway based on any dollar amount or person's judgment again. I've returned fully to myself. Additionally this year, fixed limiting beliefs about real estate investment shattered through exposure to knowledgeable mentors. They awakened me to accessible wealth-building vehicles like affordable land ownership. My eyes opened wide to generational options! Achieving basic debt freedom c...

I've never been one for New Year's resolutions. Not because I think goal-setting is silly, but because you don't need a new calendar year to transform your life. The perfect time to start is always RIGHT NOW.   Just last night, as I was writing my first ever blog post, I received terrible news that an old friend had passed away suddenly. My heart broke. As I lay awake grieving, one thought kept circling through my mind: Life is truly so precious and uncertain. Every moment matters. So if you have a nagging dream you keep pushing off until things feel “perfect”...stop it. Stop waiting! Maybe you want to finally start selling that tasty Waakye recipe your friends rave about. Or perhaps you know keeping a Susu Box would allow you to easily begin saving what you can toward independence. It could even be daring to envision big dreams like completing your degree, starting a hair salon, or moving out from financial abuse.  But when will the stars ever perfectly align? At this r...

  I still remember breaking down sobbing on my bedroom floor, surrounded by piles of unpaid bills and bank statements. After years of financial abuse at the hands of my husband combined with some ill-advised joint business moves, I had found myself drowning in debt I couldn’t pay back. Creditors were hounding me daily. My confidence was shattered. I felt like a complete failure - an educated, experienced woman brought to her knees without a penny to my name.   In my culture, the husband heads the household. So when my husband coercively controlled all money decisions after I lost my job, I reluctantly went along with it at first. I told myself it was normal. But over time, as he racked up debt that he ruthlessly forced me to pay off even as he splurged on his personal lifestyle, the financial abuse took its toll... I share my story not to demonize my husband - he too was dealing with his own demons and health issues. I share my rock bottom moments to let other women deali...