Jonquilyn Hill

I start with an old Verizon bill that had gone to collections because the account had closed and I didn't pay it off.

So that's kind of how I began knocking things off and chipping things off of the list.

I was also advised to open a secure card, which is the type of credit card where you put forward your own money into an account that pulls up on your credit report as if it was the bank's money.

And it looks like you're being given a loan, a credit card, but it's your own cash and it helps build your credit.

So I kept that secure card for a few years, maybe like two years.

And after that time, I think I was up to the five sixties.

So we're making progress.

Yeah.

And I know like when you're paying off debt, a lot of it comes down to sacrifice.

Are there changes that you made in like your spending habits or you're like, OK, I can't do this thing anymore?

Well, I learned that all of the little expenses, the $5 and $10 and $15 expenses add up very quickly.

So those kind of took a cut back.

Not as many McDonald's runs.

Not as many lunches bought while at work.

Maybe pack my own lunch and take it to work.

And then less Christmas gifts for everyone.

I have a huge family.

JQ, I have 12 siblings.

Woo!

Yeah, you're making some cards.