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Cash Positive

I don’t do Christmas. Why don’t I do Christmas? I don’t have any money for it.

In 2004 I had amassed a debt that was twice my annual income. I was making $32,000 and I owed over $60k in credit cards, medical bills, a car loan and even buying my gas and groceries on my credit card, because I couldn’t make ends meet. On the outside I looked like everyone else. Nice clothes, nice car, and decent job. I traveled a lot (with my credit cards), and every year all my family members would spend hundreds to thousands of dollars buying gifts to show our deep love and affection for each other.

Piggy bank on top of calculator

I had no hope, and was spiraling day by day into a darkness that affected everything. My mood, my relationships, and my health to name a few. A good friend of mine had the courage to speak to me about it. She knew the truth of who I was, and that I wasn’t living that truth. I was pissed at the time, but I knew I had to do something different. A later that week, I began my journey to a cash positive life.

What is a cash positive life? It’s life where your assets outweigh your liabilities. In essence, if I sold everything, I could pay everyth