The past 12 Months

Last year at this time, I made my last debt payment to my credit card. 

You want to know how bad it was?  Fine. In August 2016 I had racked up over $33k in credit card debt. Whereas before I rarely carried a credit card balance over one pay cycle. 

Since then, I have saved a 3 month emergency fund, started saving towards a down payment for a rental property  (48% of target as of this date). 

There's a lot more to be said about this process. The most important thing in my mind is being intentional about your damn money. You earned it. Quit fucking around and get a hold of it. 

Do you know where your money is going every month? 

Do you even know the total of your fixed monthly expenses? 

Do you even know the per month breakdown of your irregular expenses? Do you even plan for the irregular expenses? 

How much disposable cash do you have every month?

If you can't answer these questions, there's a good chance you're f'in up your financial potential.