Welcome to My Financial Freedom Trek! This is my first blog as a member of the PFBlog Network. I first began blogging a little over a month ago at my original site. As soon as I learned MM would be hosting a network, I jumped at the chance to be a part of it. My trek towards financial freedom started several years ago. When I was 17, I went to a pro basketball game and signed up for a credit card from MBNA. Since I wasn't quite 18, I lied and put my birth date back a year. My credit card arrived in the mail a few weeks later. In the beginning, I was pretty good. I paid off my credit card each time the bill arrived. The trouble started when I moved to New York six months later. I carted all of my belongings and my life savings to New York. I got a job a few days after I moved paying a paltry hourly wage. Then, I had to get my first apartment, and things to fill it. . . and, well, you can imagine the rest.

Since then, I have dug myself out of credit card debt of $5,000, not just once but twice. Two years ago, I was determined not to let it happen again! I started an ING Direct savings account which I use as my emergency money. (If you want a $25 bonus to jumpstart your savings, email me.) And, so far in the past two years, I have paid my credit card balance in full almost every month. My spending is no longer an issue, but I want to increase my net worth, which is currently a negative number. But for the past year, or so I haven't been as diligent as I should have been. (Too many things kept coming "up".) As a young single person, making it with student loans and living in New York City is tough. At any rate, I want to make good financial choices and by publishing this blog, I hope that I will be held accountable to my goals. At any rate, I hope you enjoy this and I hope you learn something from me, and most importantly, I hope to learn from you. I welcome comments and suggestions.

This is also posted at Financial Freedom Trek.

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