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  • FIRST POST
    • SnowBallBunny
    • By SnowBallBunny 25th Nov 17, 1:03 PM
    • 69Posts
    • 155Thanks
    SnowBallBunny
    Financial Freedom + Self Care
    • #1
    • 25th Nov 17, 1:03 PM
    Financial Freedom + Self Care 25th Nov 17 at 1:03 PM
    Hello everyone,

    I want to pay off my debt and move forward with my life. I'm a young woman with no children and I'm capable of addressing this, I can change things for the better now.

    I thought I'd seek support and encouragement here as this whole process can be so stressful. And although a lot of people are in debt, it's a taboo subject, no one talks about it. I'll be logging my progress here at least once a week. I plan to complete Dave Ramsey’s Baby Steps 1 – 2 by the end of 2018.

    Baby Step 1 – Save £1K Emergency Fund.
    Baby Step 2 – Pay off debts smallest to largest.

    At the moment I am temping at a University as an Administrator until mid February 2016 - while looking for a permanent role or contract role (12 months+). I would like to be self employed as a Project Management Officer and retrained late last year in order to do this work. The market is slow at the moment, and I've been approached about roles but haven't secured anything yet. I can make my company dormant for a year or two while I work at a permanent/contract role and pay off the debt.

    I'm an Artist at heart but pursuing my creativity is part of the reason that I'm in debt now so I'd like to earn more money and perhaps find time (either weekends or holidays) when I can do something creative just for myself. Once I've paid off the debt my mind will be clearer. I also considered starting a small side-business this year selling hair care products as I make them for myself but I just feel so stressed by this debt, it's hard to think about anything else.

    It's hard to not obsess about the debt and the stress has affected my sleep. I've slept 4 hours a night each night over the past two weeks. I bought some herbal sleeping pills and will do more to calm myself down and practice self-care:
    Aromatherapy - I already have oils have and know how to blend oils so this won’t cost me anything.
    Meditation – Free and there’s a Buddhist Centre near work that I can go to as well as a Chapel I can visit to relax and be still.
    Walks – I can walk at lunch time and part of the way home to begin with, 30 mins a day doesn’t feel like much but it’s a start.
    Swimming - I can swim for free on weekends within my local area.

    I find myself regretting so many decisions that I've made. I could have saved so much money while I lived at home and made better decisions. I worked so hard and didn't save, instead I got into debt. I didn't feel like I could tell anyone for ages or get any help and I've felt so stuck, defeated and alone.

    My sister is the only one who knows about the debt and I don't want to stress her out or to burden her with what I'm feeling. I don't feel like I can tell any friends or other relatives. Also I haven't seen my friends for ages and felt so isolated at my previous workplace that I really need to socialise - for free. I'll be volunteering at a local homeless shelter today.

    In five years my aim is to work as a Business Analyst. I am studying for a Business Analysis qualification and will save up for the exam as soon as I can afford to. I have the textbook and reading it is free so I think that's the best thing for me to do right now, simply study at home.

    I am budgeting and watching every penny. As I'm working as a temp, I'm getting paid per hour and receive money weekly. So I have weekly and monthly budgets as my hours can vary slightly.

    Week One Summary
    Task: Use my Debit Card only.

    I have had to use CC 1 for travel and food over the past few weeks as I was waiting to get paid, through my Debit account. As I got paid yesterday I can now switch to my Debit Card and move forward using that one card. This will stabilise the debts on the other cards moving forward.

    Debts
    Credit Card 1 £6,000/£5,944.34
    Debit Card 2 £5,000/£4,899.63 (Using this account to pay bills so it’ll fluctuate)
    Credit Card 2 £1,200/£1,186.48
    Accountancy Bill £144 (Last Payment in December)
    Tax Bill £750 (Monthly instalments December 2017 – May 2018 / £150 per month)
    Library fines £90
    Donation for a group art project I've decided not to do £15
    Total £13,029

    Week Two Goal
    Put £200 in Energy Fund - Unexpected expenses can arise so my aim is to set aside £200 for an Emergency Fund. I’m temping so I want to set aside a 1 month Emergency Fund of £1K by January just incase something happens with this contract. Then I’ll move to Baby Step 2 and pay off the remaining debts from smallest to largest.

    Week Two Budget
    Earnings £458.28
    Bills Broadband £18.99
    Credit Card 1 Payment £150
    Travel £15
    Food £15
    Total: 259.29

    I'm not going out, socialising or doing anything fun that's not free of charge. Hopefully I can go to a free art exhibition or something like that sometime soon. The stress I've been feeling has been so draining. The University has a free telephone counselling service, I called last week and spoke to someone lovely. I'll try to call again more regularly. My minimum payments and bills are being met and now I will have some additional money to fund Baby Step 1.

    I don't drink alcohol or smoke so that's not an issue, as Dave says's I'm eating Rice and Beans, Beans and Rice until this is taken care of.

    Thanks for reading and all the best with your debt-free journeys.
    Last edited by SnowBallBunny; 01-01-2018 at 11:48 AM.
Page 3
    • doingitanyway
    • By doingitanyway 13th Dec 17, 10:09 PM
    • 2,384 Posts
    • 11,213 Thanks
    doingitanyway
    You sound so positive and kind that I am sure you will do okay. I am also a creative and it is hard when you are not able to be as 'creatively free' as you would like. Keep going as I am sure you will find a way
    JANUARY 2016/SECURED DEBT=24,822/December 2017=2,510
    MORTGAGE FREE 25/07/16
    • SnowBallBunny
    • By SnowBallBunny 14th Dec 17, 6:33 PM
    • 69 Posts
    • 155 Thanks
    SnowBallBunny
    You sound so positive and kind that I am sure you will do okay. I am also a creative and it is hard when you are not able to be as 'creatively free' as you would like. Keep going as I am sure you will find a way
    Originally posted by doingitanyway
    Thanks doingitanyway! I was touched by this lovely comment. I've been feeling so stressed and physically tired while also trying my best. I'm glad that I sound positive, I'm looking at solutions to this issue.
    Credit Card 1 £6,000 Debit Card 2 £5,000 Credit Card 2 £960 Tax Bill £750/£450 Library Fine £90 Emergency Fund: £400 Accountancy Bill £144 (Last Payment 14.12.17) Cancelled Art Project Fundraising Donation £15
    Total Original Debt £13,199

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 14th Dec 17, 6:59 PM
    • 69 Posts
    • 155 Thanks
    SnowBallBunny
    Good news: Accountancy Bill has been paid! Thank goodness. I did it.

    Tonight I'm going to tailor my CV for a job application. My job search will be on hold over Christmas as things get quieter. I think Christmas will give me a chance to study and to reset my sleep.

    I paid something off today!
    Last edited by SnowBallBunny; 14-12-2017 at 7:44 PM. Reason: To add exclaimation marks :)
    Credit Card 1 £6,000 Debit Card 2 £5,000 Credit Card 2 £960 Tax Bill £750/£450 Library Fine £90 Emergency Fund: £400 Accountancy Bill £144 (Last Payment 14.12.17) Cancelled Art Project Fundraising Donation £15
    Total Original Debt £13,199

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 16th Dec 17, 3:04 PM
    • 69 Posts
    • 155 Thanks
    SnowBallBunny
    Update - Problem Solving
    Financial Update:

    Question: Should I stop paying into my Emergency Fund?: I added £200 to my Emergency Fund so I have £400 in there now.

    I think I need a change of plan. The different bills, minimal payments, debts and this snowball plan need to be simplified as it's adding to my stress. I'm also exhausted already and a part-time job may not be the best thing for me health wise and also it's another complication tax-wise.

    Answer
    Yes, now that I have the £400 set aside, I want to use any other income to pay off the debt.
    If I needed to pay for an unexpected expense then I think that's a reasonable amount to have. If I had to find another job, it would cover my expenses/bills for about two weeks.

    Question: Permanent Role or Contract Role?
    This issue of permanent job v self employment contract has been on my mind.
    Which is really just a case of Lower pay and stability v Higher pay and higher risk.

    Answer: Permanent Role
    Steady, stable income that I can use to pay off debt and eventually start saving money.

    Question: How do I stop fixating on the debt? It is draining.
    I think about it all teh time and it's causing me so much stress, limiting my sleep and making me feel sad unecessarily. It's also making me feel overly sensitive about other things, which isn't fair/

    Answer: Stop
    I need to have a laugh. I watched some comedy clips on Youtube yesterday and laughed for the first time in ages. I also need to do other things, take walks, see friends.

    I feel scared about my future. My sister is my closest friend and when she moves out, she'll be moving to another city. Not that far away but it'll be strange not living with her. At the same time, it was going to happen. Maybe I feel like this because of the instability of my finances. I can find it hard to trust people I know that I need to build stronger friendships where I am more open with people. As well as stronger relationships with cousins and family members. Maybe this situation will encourage me to do so.

    I also can't believe that I let the debt persist for so long. That's scary, I'm better than this. I can and will do better than this.

    There is so much I thought I would have done and achieved creatively and personally by now. I feel so dissapointed in myself. At the same time I just need to pull myself out of this way of thinking. I don't judge other people like this. I always see their talents, opportunities and potential. *Sigh* I didn't come here to complain DFWs, I just wanted to share a bit more than usual.

    I think I need to focus on improving my Finances, Health and having more Hope.

    As always, thanks for reading.
    Credit Card 1 £6,000 Debit Card 2 £5,000 Credit Card 2 £960 Tax Bill £750/£450 Library Fine £90 Emergency Fund: £400 Accountancy Bill £144 (Last Payment 14.12.17) Cancelled Art Project Fundraising Donation £15
    Total Original Debt £13,199

    A SnowballBunny, hopping my way to Financial Freedom.
    • doingitanyway
    • By doingitanyway 16th Dec 17, 3:39 PM
    • 2,384 Posts
    • 11,213 Thanks
    doingitanyway
    All the answers to questions you pose I agree with.

    Think about your comment about not judging others and try to apply it yourself and give yourself a break.

    I wonder if a bit physical activity might help (I am rubbish at motivating myself to do it but when I do I feel better, sleep better and the other stuff begins to fall into place)

    I also find trust an issue. Many creatives are sensitive souls who takes slights to heart and are natural introverts but you seem aware.

    Try not to worry about the past. Don't be disappointed in past you, be proud of current you who is working to make a change and build a better foundation for future you
    JANUARY 2016/SECURED DEBT=24,822/December 2017=2,510
    MORTGAGE FREE 25/07/16
    • SnowBallBunny
    • By SnowBallBunny 16th Dec 17, 8:08 PM
    • 69 Posts
    • 155 Thanks
    SnowBallBunny
    All the answers to questions you pose I agree with.

    Think about your comment about not judging others and try to apply it yourself and give yourself a break.

    I wonder if a bit physical activity might help (I am rubbish at motivating myself to do it but when I do I feel better, sleep better and the other stuff begins to fall into place)

    I also find trust an issue. Many creatives are sensitive souls who takes slights to heart and are natural introverts but you seem aware.

    Try not to worry about the past. Don't be disappointed in past you, be proud of current you who is working to make a change and build a better foundation for future you
    Originally posted by doingitanyway
    Thanks for your kind words doingitanyway.

    Yes, I do need to be gentler and kinder to myself. I agree, physical activity would help. It's funny, when you feel down, you can feel discouraged from doing the very things that would make you feel better...like exercise. Even though swimming, walking and yoga are things that I actually enjoy. I took a short walk to the shops today and I can build on that and walk more, like I used to.

    What you said about trust really resonated with me. I am starting to see things differently though. I'm working on not taking things personally - well not as much as before.

    Also noone is perfect, there are good people who make mistakes or missteps (me included) so some friendships are worth working on or reviving in some cases. Thanks again, your comments are always so encouraging.
    Credit Card 1 £6,000 Debit Card 2 £5,000 Credit Card 2 £960 Tax Bill £750/£450 Library Fine £90 Emergency Fund: £400 Accountancy Bill £144 (Last Payment 14.12.17) Cancelled Art Project Fundraising Donation £15
    Total Original Debt £13,199

    A SnowballBunny, hopping my way to Financial Freedom.
    • MeenaM
    • By MeenaM 24th Dec 17, 7:22 AM
    • 132 Posts
    • 263 Thanks
    MeenaM
    wishing you a good Christmas and a healthy plus happy new year!
    Sealed Pot 11. #199Next£1170Barclays Credit Card £4891.20/4673.58- 0% ends April 2019 virgin 0% ends july 2020 £4138 4055.29AA Credit Card £860 275.16- 0% ends Dec 2017 Sainsburys Credit Card £521.27-429.01 0% ends Feb 2018 STARTED Nov 17AIM TO BE DEBT FREE JULY 2019Emergency Fund £210/£1000
    • doingitanyway
    • By doingitanyway 24th Dec 17, 12:32 PM
    • 2,384 Posts
    • 11,213 Thanks
    doingitanyway
    Happy Christmas and keep going. It gets easier.
    JANUARY 2016/SECURED DEBT=24,822/December 2017=2,510
    MORTGAGE FREE 25/07/16
    • SnowBallBunny
    • By SnowBallBunny 24th Dec 17, 7:27 PM
    • 69 Posts
    • 155 Thanks
    SnowBallBunny
    wishing you a good Christmas and a healthy plus happy new year!
    Originally posted by MeenaM
    Have a lovely Christmas and a Happy New Year too! Thanks for thinking of me.
    Credit Card 1 £6,000 Debit Card 2 £5,000 Credit Card 2 £960 Tax Bill £750/£450 Library Fine £90 Emergency Fund: £400 Accountancy Bill £144 (Last Payment 14.12.17) Cancelled Art Project Fundraising Donation £15
    Total Original Debt £13,199

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 24th Dec 17, 7:28 PM
    • 69 Posts
    • 155 Thanks
    SnowBallBunny
    Happy Christmas and keep going. It gets easier.
    Originally posted by doingitanyway
    Awwww thanks for your encouragement! Have a wonderful Christmas and a Happy New Year!
    Credit Card 1 £6,000 Debit Card 2 £5,000 Credit Card 2 £960 Tax Bill £750/£450 Library Fine £90 Emergency Fund: £400 Accountancy Bill £144 (Last Payment 14.12.17) Cancelled Art Project Fundraising Donation £15
    Total Original Debt £13,199

    A SnowballBunny, hopping my way to Financial Freedom.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 24th Dec 17, 7:40 PM
    • 2,914 Posts
    • 16,913 Thanks
    HairyHandofDartmoor
    Happy Christmas Snowball I hope you have a good one
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £36.76/Loss of Income Fund £0
    • SnowBallBunny
    • By SnowBallBunny 24th Dec 17, 7:57 PM
    • 69 Posts
    • 155 Thanks
    SnowBallBunny
    Update:

    I paid my rent and bought two gifts and a few Christmas cards - totalling £22.50.

    As I'm temping I only get paid for the hours that I work so as soon as I can, I'll contribute to the debt and keeping paying that down this coming year.

    Thanks to everyone who has been so supportive and encouraging. Have a lovely Christmas break and a Happy New Year everyone.
    Credit Card 1 £6,000 Debit Card 2 £5,000 Credit Card 2 £960 Tax Bill £750/£450 Library Fine £90 Emergency Fund: £400 Accountancy Bill £144 (Last Payment 14.12.17) Cancelled Art Project Fundraising Donation £15
    Total Original Debt £13,199

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 28th Dec 17, 10:50 AM
    • 69 Posts
    • 155 Thanks
    SnowBallBunny
    Happy Christmas Snowball I hope you have a good one
    Originally posted by HairyHandofDartmoor
    Merry Christmas Hairy! Have a Happy New Year.
    Credit Card 1 £6,000 Debit Card 2 £5,000 Credit Card 2 £960 Tax Bill £750/£450 Library Fine £90 Emergency Fund: £400 Accountancy Bill £144 (Last Payment 14.12.17) Cancelled Art Project Fundraising Donation £15
    Total Original Debt £13,199

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 29th Dec 17, 12:22 PM
    • 69 Posts
    • 155 Thanks
    SnowBallBunny
    Hey everyone,

    I have had a good Christmas with family who live a few hours away. I'm back home now and to be honest I have been feeling overwhelmed. I think I need to just call or speak to someone about this every week so that I can have an outlet. I was considering going to a Debtors Anonymous meeting but I thought that it might just bring me down.

    I think I've been bottling things up and that has really stressed me out. I wrote about my feelings yesterday and this morning I called the Samaritans and spoke to a helpful and compassionate woman there. She gave me some practical suggestions including calling the bank and credit card company regarding freezing interest on my credit cards. I didn't think this was an option unless I worked full time.

    I called the bank and they suggested that I apply for a Debt Consolidation loan. I'm not sure how this could/would affect my credit score. And whether it is worth doing.

    Surely it's better for me to have a permanent job then I can consider this option?

    Does anyone know about Debt Consolidation loans?

    It's something I'll look into.

    This whole situation is definately a LBM, a huge wake up call. As uncomfortable as it can be, I really want to turn this situation around and move forward in a positive way.
    Credit Card 1 £6,000 Debit Card 2 £5,000 Credit Card 2 £960 Tax Bill £750/£450 Library Fine £90 Emergency Fund: £400 Accountancy Bill £144 (Last Payment 14.12.17) Cancelled Art Project Fundraising Donation £15
    Total Original Debt £13,199

    A SnowballBunny, hopping my way to Financial Freedom.
    • doingitanyway
    • By doingitanyway 29th Dec 17, 5:12 PM
    • 2,384 Posts
    • 11,213 Thanks
    doingitanyway
    Sounds like you had a nice family Christmas.

    I'm glad you are getting support when you need it.

    Debt consolidation may not be the best thing for you right now.
    The bank is a profit making organisation and they will not have your best interest at heart. They will have theirs. It might be better to see a debt adviser for some support.

    I'm sure someone more knowledgeable will be along to advise but maybe don't apply for it until you have had some independent advice.

    You seem motivated so I am sure you can turn this around.
    Last edited by doingitanyway; 29-12-2017 at 5:53 PM.
    JANUARY 2016/SECURED DEBT=24,822/December 2017=2,510
    MORTGAGE FREE 25/07/16
    • Lauralozzle
    • By Lauralozzle 29th Dec 17, 5:22 PM
    • 540 Posts
    • 4,818 Thanks
    Lauralozzle
    I’m glad to hear you had a good Christmas with your family.

    I agree that debt consolidation may not be best for you. There are so many people on these forums who have taken out debt consolidation loans and end up in a worse position.

    Remember that although this is daunting you ARE moving forward. You gave £400 in an emergency fund which is fantastic! And more than mine!
    January grocery challenge £189.15/£275 | January NSD 06/18
    Credit Card 1: £95.00 (0%) | Credit Card 2: £2,233.50 (0%) | Credit Card 3: £787.60 (0%) Car Finance: £7,865 (7.9% APR) | Mortgage: £111,173 (2.79% APR) | Emergency Fund: £65.56/£1000 | Honeymoon Fund: £474.16
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 29th Dec 17, 6:28 PM
    • 2,914 Posts
    • 16,913 Thanks
    HairyHandofDartmoor
    I don't think your bank will be giving you the best advice. Their job is to make money from their customers, and they get sales targets and bonuses for selling loans and other financial products.

    If your debt is really getting you down then ring Stepchange the debt charity and speak to them. Their job is to help you and they are very kind and don't judge.

    Your debt is relatively small compared to some, so I feel you are getting things a bit out of proportion due to stress and anxiety.

    Job wise I think a permanent job would give more stability and routine to you, as you suffer from anxiety.

    With regard to sleep, you know what to do a good long walk, or swim followed by a relaxing yoga session would help both your anxiety and sleep issues.

    I get the impression you know what you should do, but then get self doubts and talk yourself out of it. Listen to yourself and trust yourself. You have good instincts and you can do this .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £36.76/Loss of Income Fund £0
    • SnowBallBunny
    • By SnowBallBunny 30th Dec 17, 11:47 AM
    • 69 Posts
    • 155 Thanks
    SnowBallBunny
    Sounds like you had a nice family Christmas.

    I'm glad you are getting support when you need it.

    Debt consolidation may not be the best thing for you right now.
    The bank is a profit making organisation and they will not have your best interest at heart. They will have theirs. It might be better to see a debt adviser for some support.

    I'm sure someone more knowledgeable will be along to advise but maybe don't apply for it until you have had some independent advice.

    You seem motivated so I am sure you can turn this around.
    Originally posted by doingitanyway
    Agreed, the bank definately have their best interests in mind so I won't take any action unless I know it's the best thing for me.Thanks for your supportive words.
    Credit Card 1 £6,000 Debit Card 2 £5,000 Credit Card 2 £960 Tax Bill £750/£450 Library Fine £90 Emergency Fund: £400 Accountancy Bill £144 (Last Payment 14.12.17) Cancelled Art Project Fundraising Donation £15
    Total Original Debt £13,199

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 30th Dec 17, 12:05 PM
    • 69 Posts
    • 155 Thanks
    SnowBallBunny
    I don't think your bank will be giving you the best advice. Their job is to make money from their customers, and they get sales targets and bonuses for selling loans and other financial products.

    If your debt is really getting you down then ring Stepchange the debt charity and speak to them. Their job is to help you and they are very kind and don't judge.

    Your debt is relatively small compared to some, so I feel you are getting things a bit out of proportion due to stress and anxiety.

    Job wise I think a permanent job would give more stability and routine to you, as you suffer from anxiety.

    With regard to sleep, you know what to do a good long walk, or swim followed by a relaxing yoga session would help both your anxiety and sleep issues.

    I get the impression you know what you should do, but then get self doubts and talk yourself out of it. Listen to yourself and trust yourself. You have good instincts and you can do this .
    Originally posted by HairyHandofDartmoor
    I agree with your points all round. You've outlined a very good self care programme there. You're very perseptive. Self doubt and just fixating on this isn't helping me. Swimming, walking, yoga would all help, I think I should also go to some exhibitions, there are free ones in and near the University.

    I can do this, I think this has knocked my confidence in ways I didn't expect. I'm working on a job application at the moment, deadline is 1st January. It would give me more Project experience so I think it would be a good move.

    Thank you so much Hairy, I really appreciate your kind words.
    Credit Card 1 £6,000 Debit Card 2 £5,000 Credit Card 2 £960 Tax Bill £750/£450 Library Fine £90 Emergency Fund: £400 Accountancy Bill £144 (Last Payment 14.12.17) Cancelled Art Project Fundraising Donation £15
    Total Original Debt £13,199

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 30th Dec 17, 12:07 PM
    • 69 Posts
    • 155 Thanks
    SnowBallBunny
    I’m glad to hear you had a good Christmas with your family.

    I agree that debt consolidation may not be best for you. There are so many people on these forums who have taken out debt consolidation loans and end up in a worse position.

    Remember that although this is daunting you ARE moving forward. You gave £400 in an emergency fund which is fantastic! And more than mine!
    Originally posted by Lauralozzle
    Yes it doesn't always feel like I am moving forward but I am. It's good to be reminded of that. Thanks Laura.
    Last edited by SnowBallBunny; 30-12-2017 at 12:28 PM.
    Credit Card 1 £6,000 Debit Card 2 £5,000 Credit Card 2 £960 Tax Bill £750/£450 Library Fine £90 Emergency Fund: £400 Accountancy Bill £144 (Last Payment 14.12.17) Cancelled Art Project Fundraising Donation £15
    Total Original Debt £13,199

    A SnowballBunny, hopping my way to Financial Freedom.
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