Journey to Financial Freedom

Mrs. Sandy Change, Active Crusader

Mrs. Sandy Change, Active Crusader

The New Oxford American Dictionary defines a journey as a "long and often difficult process of personal change and development".  The journey towards financial freedom can be long and it can be difficult, but it also can be so rewarding. It requires commitment and sacrifice. It requires patience and perseverance. 

For me, my financial journey has been longer than long and extremely hard. As I allowed myself to rack up debt and not save, I started to feel the weight of being overwhelmed by my own irresponsibility. I was too proud and ashamed to ask for help from family and friends. There were times when I would hide in my house when I didn’t have any money to spend and I was tired of using multiple credit cards. 🥺 

My journey, as most do, included hurdles, moving finish lines, valleys, mountains, blue skies and cloudy moments with a chance of frozen rain. 🌧All of these moments were necessary for growth and to build my character. All of these lessons were necessary for me to get closer to a state of freedom within my personal finances. I’m not there yet, but I know that my journey will expose me to further moments and lessons that will get me closer to my ultimate goal.

With the new year approaching, I would encourage you to hold on to your dreams and be grateful for the twists and turns. I would encourage you to set goals and plan accordingly. I would also encourage you to get help. It’s ok to ask for help. It really is ok.  

Stay tuned for Episode 13 to be posted on January 4, 2019.


Want to learn how to get on the right path to financial freedom? Click the button below to schedule an appointment with a Crusaders for Change (C4C), LLC certified counselor/coach.

Peace Runs Deep

Mrs. Sandy Change, Active Crusader

Mrs. Sandy Change, Active Crusader

Legacy. What do you plan to leave to your children/family when you leave this earth? Of course, we may leave behind traditions, stories and definitely genes, if you have children, but what do you plan to leave behind in terms of assets (things you own), money and investments?

I have learned that peace is something that comes from within and it is something I want to achieve even when the outside world is loud and obnoxious. But, what about the deep peace you can have from knowing when you leave earth your family will be taken care of? What about peace that runs so deep future generations benefit and achieve more than you can ever imagine?

I am in the process of achieving such peace by investing in a 401(k), contributing to other long-term investments and having adequate life insurance. We need to prepare for the future, as mentioned in last month's blog, but we should also prepare for our legacy.

Once I had my spending plan under control, the appropriate amount in an emergency savings, and a suitable retirement plan, I was ready to build a legacy my daughter would be proud of. What type of legacy do you plan to leave behind?

Stay tuned for Episode 12 to be posted on December 4, 2018.


Want to learn how to obtain peace and legacy? Click the button below to schedule an appointment with a Crusaders for Change (C4C), LLC certified counselor/coach.

Dark and Lovely

Mrs. Sandy Change, Active Crusader

Mrs. Sandy Change, Active Crusader

Are you living in the dark by not planning for tomorrow but living a lovely life in the moment?

I am all for living in the present and enjoying each moment. I also advocate for not worrying about tomorrow for it isn’t promised. But what happens if you DO live longer than today and you haven’t set money aside for the unexpected?

I have lived this “Dark and Lovely” lifestyle. My present moments were so lovely, so fun, so chill. I spent money to satisfy that moment’s interest and wants. I used my student loan refunds on clothes for the club or to get my hair done. I was totally in the dark when it came to my future finances. Saving for emergencies, retirement or just future goals were foreign to me.

Thank God I was eventually shown the light and faced reality head on. Since it was likely, and a BLESSING, that I would live longer than that current moment, it made perfect sense to save for my future. It made sense to save for that new car, for that security deposit for the new apartment, or for that much needed summer vacation.

I now live a Light and Lovely lifestyle; living in the present, enjoying each moment and preparing for the future.

Stay tuned for Episode 11, "Peace Runs Deep" to be posted on November 4, 2018.


Want to learn how to live a “Light and Lovely” life? Click the button below to schedule an appointment with a Crusaders for Change (C4C), LLC certified counselor/coach.

Run Debt, Run

Mrs. Sandy Change, Active Crusader

Mrs. Sandy Change, Active Crusader

I really wish all of my debt would run away and disappear forever. We, Americans, are really plagued by debt and all of its atrocities. According to many surveys and news outlets, Americans are trillions of dollars in debt, especially when it comes to student loans and I am one of those Americans.

I am guilty of using my student loan refunds to maintain an unrealistic lifestyle. I am definitely guilty of using my credit cards to purchase items I really can't afford. And yes, I am guilty of getting high-interest loans and cash advances to help family members.

Thank God there is HOPE and HELP for ALL of us. I have a friend that was able to pay off her $65,000 of student loan debt in less than 5 years and not have any running balances on her credit card. It took a lot of sacrifice, discipline and self-control but if she could do it so can I and so can you. See below for more on getting HELP.

Stay tuned for more in Episode 10, "Dark & Lovely" to be posted on October 4, 2018.


Want to learn how to pay off debt and improve your credit? Click the button below to schedule an appointment with a Crusaders for Change (C4C), LLC certified, counselor/coach.