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Part 5 - Debt Snowball and Financial Heroes

 In spite of my deepening depression - I was constantly trying to better myself. 

I joined Rotaract - young Rotary and supported the local Interact club. 

I joined Māori Women's Welfare League. 

I got heavily involved with PPTA and activism for teachers. 

I became a Twitter Queen for English Teachers in NZ. Go on... Google me 😂

Yet still I had a real struggle holding onto my own money. 

I thought about going to a budget advisor. I was too prideful for some reason. I should have gone. It would have helped me so much. 

They would have taught me everything that I've quite literally fought to teach myself. 

I researched poverty mindset more and then learnt about the abundance mindset. 

I soon came to learn about the Debt Snowball. 

It gave me the courage and passion to start turning things around. 

All I had to do was put my debts in order from highest to lowest. 

Eg. 
Car - $4000
DTR - $3500
Vet - $2800
HP - $670
IF - $500

This is not quite a realistic image... As I had a LOT of debt. Seriously. 

But you get the picture. 

The idea of a debt snowball is that the aim is to put as much money as possible on the lowest debt to then be able to increase the payments on the next debt up and so on. You'd still be paying the minimum amounts on each debt but slowly and surely - the debt snowball would wipe them all away. 

And ... It actually helped. Like heaps. 

It got a bit tricky when I tried to turn the snowball into an avalance (slightly different theory) but by then I'd found support in Rotorua and around the world via FB. 

The ladies on the canning site helped heaps, as did the serial hoarders.... But then lo and behold... I found Dave Ramsey and the Baby Steppers. 

Oh and an incredible local company which was run by an even more incredible wahine - Inez White and Indigenuity. 
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