About Me
Hello everyone!
Welcome to Chicky Finance!
I started this blog in mid January after reading several PF blogs; I got so motivated that I decided to share my "not so smart" mistakes and hope that someone else can learn from my miscalculations at the same time witness my journey of becoming debt free!
I will first tell you how my jouney started in the U.S and how I got trapped under a mountain of debt...My journey begun six years ago when I decided to move US to learn English..By the way, six years ago I could not speak even a word in english, now I am writing a blog! What a wonderful world, isn't it? :) Anyways I thought I would learn english and go back to my home country and find a good paying job etc..Things worked out differently.. As soon as I stepped out from the plane, I fell in love with this country and decided to stay here until I die.
I was determined, I was going to learn english, get educated,get married and have so many adventures in this country.. I started going community college to learn english as an international student I had so many obstacles, the tution I was paying 10 times more than US citizen students..Per semester would usually cost me $2,000 (community college) I worked so hard to learn the language and make ends meet..I was working full time at a restaurant and going school full time..After a year I met my husband; he was so sweet and supportive financially and emotionally..We've dated for 3 years and got married last year...
This was the happy end for love side..What about money?? During those 3 years I was under international student status which was really hard because this type of visa does not permit work..So even though I had BA in Economics, I could not apply for an office job. During that I kept going school and more school..I went to UCLA accounting program for 2 years completed all needed credits for Certified Public Accounting exam. I finally finished the school in mid March 2007 and found accounting position in July for $40K. ( I guess I could find better paying job but I was at the point I needed this income ASAP) Since July I have been putting almost all of my money towards CC debt and car loan.
When I started this blog My credit card debt total was $25,970 and car loan $23,244..I plan to get rid off all of my debt and become debt free by Jan 2010. The most of my CC debt accumulated during those 3 years when I have to pay super high tuition. Of course there were times I was so overwhelmed that I thought I deserve a couple of trips to mall here and there and fancy dinners and gifts to friends etc..You know what I mean? *sigh*
I will do whatever takes to pay off my debt and become debt free..The only thing I need is your support, are you going to be with me in this journey?
Man, all i have to say is W-O-W! No English 6 years ago? That is amazing. GREAT job w/ that, w/ your future education, and esp. this blog!
Budgets are sexy-
Thank you for the encouraging comment!I really need it these days...
But offcourse! You're already doing a great job! And how unfear that the US goverment makes you pay extra because you're foreign.. They should be glad that there still are people in this world who want to live there! (me=no American)
I know isn't it crazy how you read and read other pf blogs and then one day you are like bam, i want to do that.. Me too, I keep up with a couple of blogs in the pf world, yours including.. Thanks for being inspiring
Hi Chicky,
I added you to my blogroll.
I went through your journey except for the English part (I am from an English speaking country) and I know how frustrating it is being foreign here and speaking English so I cannot imagine how hard it must have been for you to go through that while learning English.
All the best with your blog, it looks like you are on the right track.
You have an awesome blog! You are on track to succeed in getting rid of your debt!
I have linked you in my blogroll!
Lisa
Cents To Save
Hey - I'm a rabid Dave Ramsey fan myself and we're almost debt-free (except the house). You have a great site!
What an incredible blog, and an ambitious list of goals! You're truly an inspiration. I wish you the greatest success on getting debt free, and passing the CPA Exam!