Author Archives: Gerardo De La Fuente

Paid off my credit card, again. 

Today I paid off my credit card debt. 

Finally!

I don’t really know where to start to explain the feeling. Right now I’m just happy that it’s finally done! The sad thing is, this is not the first time I’ve had to pay off my credit card debt. I know, disappointing. But hey, the good thing is that right now I am credit card debt-free. 

The first time I got myself tied up with piling debt on my card was really bad. My debt was right under $4,000 and it was a nightmare to say the least. I had gone from a responsible credit card owner to the other end of the credit line. 

How did this happen? 

Well, to begin, I was not working at the time this happened and also did not have ANY savings in place to back me up.

 I think not having any savings was a major key in how I got in debt. It was not having a solid plan to fall back on for when something like this could happen.  I also never had anyone tell me to save money or how to save money! I didn’t have a platform or basis on which to imitate and try to follow so that I wouldn’t fall into that pit of debt. 

Simply put, save money!! Save what you can and when you can. Don’t spend on things you know you shouldn’t. Many times  we like to spend because we feel like we “need” whatever it is, when in fact we really just want it. 

Open a savings account

Put whatever is left over after bills have been paid into your savings  and DO NOT TOUCH IT! It’s called a savings account for a reason. Taking out for emergencies is okay but only as a last resort. 

Don’t get a credit card if you are not responsible or have never had at least any kind of financial management skills. It’ll be the death of you. Don’t get me wrong, I know people who have actually done a great job of being responsible with a credit card without prior knowledge or possession of one. So just be really careful when considering one. 

This time around my debt wasn’t as large as my first time but it seemed larger in a different sense. I have become more apt at handling my finances and at saving money. That’s how I was able to payoff my debt! 

My next goal is my student loan. That loan is easily sitting under a grand and I hope to pay that off within two to three months, if all goes well. After my student loan is paid off the biggest challenge will be paying off my truck. That’s a whole different topic in itself. 

So I guess you can say  I am still continuing to tackle this new year at a great start. I am so thankful that I have been able to pay off this debt because debt is unnecessary for the most part. And it’s always because we aren’t prepared. This obstacle is liberating in so many ways. 

I want to live as free. 

This is just another way of doing that and it’s my way. Your way of living free could be very different from mine or any other person but we all have that idea of what it is for us. 

So go start whatever it is that sets you free. 

Still Going.

One of the things that I really wanted to focus on this year is to spend my time wisely. I usually have plenty of time after work to do anything really. The sad truth is that I have never been able to manage my time in a wise matter and have spent it doing meaningless things or, unfortunately, on social media.

Under that umbrella of better managing my time lie many things. One of those things is learning songs on my guitar by memory without having to use notes. I know that’s not anything revolutionary but for me, it is. It’s revolutionary because I have never really been able to memorize songs and I’ve always wanted to do that. Every time I played the guitar at church or with friends, I could not do it unless I had my notes with me. It’s actually a little embarrassing to be honest. I’ve been doing that for about 5-6 years since I learned to play guitar.

Things have changed though.

Yesterday marked the second song that I have finally gotten down by memory without using my notes and it is an AWESOME feeling! Practice is key. I did practice for a few hours until I got it down, and at times, it was frustrating but so worth it.

I think the best reward is not just simply learning the song but feeling accomplished. The feeling that you were able to do something that you didn’t think you could do before, even if it’s something small like learning a song, is a great feeling. Things like that have taught me to gain confidence that I can do anything I desire as long as I set my mind and time to it.
“Nothing worth having comes easy”. I want to live by that quote this year. I want to know that I can do the things I’ve been wanting to do for a long time but have always set an excuse. The biggest excuse has always been that I’ve been afraid to fail. It’s as simple as that.

 

Fear of failure will keep many of us from seeing our success. It kills our dreams.

 

Start small. Learn a song or two on the guitar. Write. Blog. Shoot pictures. Save money. Pay off debt. Just start.

 

 

Second day of the year.

It’s 2017. Right now I think the rest of the world is off to the “new year, new me” mentality and I believe it’s a great way to start off this year.

For many people, failure will be inevitable. Gyms will be packed this first, and possibly second, month with eager folks who mean good to themselves but will eventually fall back on their new year resolutions. That’s always a classic example.

It’s January 2, 2017 and I’m running thoughts through my mind about things that need to change in my life and things I have been doing good at. I’m not going to sit here and give myself a grand speech or make myself seem triumphant from the previous year(s) about how this year will be different from the last.

If I’m honest, it’s been about the same. I will admit that I am proud of ONE sole accomplishment and that is being able to stop drinking energy drinks (RedBull) for an entire year. I didn’t even crave a single one all year and I’m going to continue that lifestyle. Coffee is my desired drink right now and I can also happily say that I a now a part of the “all black” coffee. I was the type that “loved” coffee but I could not stand to drink it without cream or sugar. But thanks to a friend of mine, I was convicted to start drinking black coffee. It was difficult at first because the taste was foreign and rough to me but eventually after a couple of tries I forced myself to do it and now, I love it!

 

It’s funny how a simple thing like not drinking energy drinks for a year or starting to drink black coffee will do to you mentally. It gives you that small push that you need to believe that certain things are possible- all it takes is a valiant effort to accomplish it.

That’s exactly what I want for myself this new year. With it come new experiences, new opportunities and new memories. I want to be motivated by the small efforts which cause those accomplishments. I’m not proposing anything new this year for myself. I simply want to pursue those things that live in my mind and that I desire for in my life. Small but meaningful efforts are what I want this year. Whether those efforts are to accomplish something new in my life or to end certain things.

There are also things which hinder my drive for life and blindfold me to see my purpose. Those things can sometimes become so life threatening (in a non-lethal kind of way) that could possibly cause me to miss out on life and miss out on the joys of life. I don’t want that for myself.

 

So this year, let’s make a valiant effort to accomplish that which we desire for. Small steps will lead to great things, as long as we make those steps.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

My first welcome.

Hey everyone,

So this is my first post here and, well, I’m introducing myself to the WordPress community!

I don’t have much to say sometimes but other times I have a lot to say about a lot of things. I’m not as smart or interesting as others out here but I think we all have a voice and a story to tell that is just as interesting as any other.

One thing I want to say is that I just want to use this as a platform to get my thoughts out there. Not just my thoughts but ideas on life and things that I want to do. There’s so much that God has given us; so much potential, and we are sometimes scared to step out and explore the unknown.

The unknown can be very scary and intimidating to all of us. Whether it be getting a new job, starting a new relationship, confessing, opening a company, writing a book, trying out for a position on a team, etc. All of these, and more, are things that can sometimes stop us from doing what could possibly make us happy and live life the way God intended us to live.

So this is me signing off for today. Even though I might not have anyone reading this, that’s okay.

God bless!