About Me

ME 2016

Hey There, I’m Latoya!

I created this space to help you learn how to manage your finances better so you can live a carefree lifestyle, free of money worries!

I’m a Certified Financial Education Instructor (CFEI), personal finance writer, goal chasing, mama to two and wife to the finest man I ever met in my life.

See, I didn’t grow up learning how to balance a checkbook, pay off a credit card in full, and save for retirement. I grew up learning the basics on how to mess my finances up, which led up to my bankruptcy by the age of 23.

But now I’m singing a different song. I’ve rebuilt my credit, learned how to save, and now I’m a full-time self-employed #momboss (BTW, need a writer? Let’s chat).

By you being here, It’s safe to say you’re sick and tired of being sick and tired too. Regardless of whether you’re in debt, can’t save a buck, or just want to quit your job – I want you to know you can find something here that will help you get started on fixing your situation.

Consider me your personal cheerleader. I’m here to provide you with encouragement and information on how to pay off your student loans, start a side-hustle, or manage your money

So, go ahead and drop your email in that box below so we can become better acquainted. You’re on your way to better finances and carefree living, friend.


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  • Reply Sarah Noelle @ The Yachtless March 20, 2016 at 10:24 am

    I too have a hefty amount of student debt (about $56,000) that was taken out largely for living expenses (well, I took out $49K and the rest is interest that accrued while I was still in school or making income-based repayments). I totally remember that experience of getting the refund check and thinking, “yeah! I have money now!” and then going and spending some of it on things I didn’t really need. I wish I had understood what it would be like to have to pay that money back someday. I value my education, but I know for sure that I could have borrowed far less money and still managed to pay rent and feed myself. In any case, I’m working hard to pay the debt back now — I’ve just started doing some freelancing and hope to do more, in addition to my day job.

    Thanks for sharing your story. I’m excited to follow your blog and hear more about your journey!

  • Reply Latoya S. March 21, 2016 at 12:29 pm

    Hi Sarah, thanks for coming by and sharing your story as well. I’ll be following you on your journey as well!

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