$2,000 in credit card debt can feel like the end of the world. It isn't.

In my 20s, I found myself in $2,000 of credit card debt. It took planning and patience, but now I'm debt-free.

 Mae Cromwell
12.27.16

In 2013, I left a job when I had little in my savings account to carry me over.

It was the right move. I knew that. But the timing? Well, that wasn't ideal. I threw myself into the job hunt and tried to make my minimal savings last as long as possible.

One and a half months later, and I hadn’t found another job. Things were looking bleak. And, bam, just like that it was time to pay the rent again. In NYC. And even with roommates and a dingy apartment, that’s no small feat.

I had interviews lined up that looked hopeful, so I decided to buy myself some time. I turned to my credit card.

Before I knew it, I had almost $2,000 in credit card debt.

You see, I'd used my card’s cash advance to cover my rent. One of those interviews panned out and I did get a job — yay! — but as we all know, that first paycheck takes a few weeks to arrive. I used the card again to cover basic necessities.

This debt sent me on what I'll call a five-phase journey. The first phase? Feeling hopeless.

Image via iStock.

I was overwhelmed, confused, and disappointed in myself.

“There’s a lot of stigma attached to debt and it really eats at self-esteem and confidence," says Charles Freeman, a psychologist based in San Diego. He explains that when someone winds up in debt, "they resent the debt, and then that resentment leads to stress, impaired self-esteem, shame.” He's right.

I’d never really understood debt before. And while I know that many people are wrestling with far more than $2,000 in debt, it felt like the end of the world to me.

My situation wasn’t unique. A lot of people rely on credit cards or don’t have savings, and it can feel pretty hopeless and overwhelming.

I spent a year making payments and barely saw the balance reduced. I paid more than the minimum amount, but it all went toward interest. They don’t teach us this stuff in school. I didn’t know what to do.

Thank goodness for Google. Through research, I found a glimmer of hope.

Image via iStock.

I did my homework on how credit cards and interest fees work. Basic stuff. I mapped out a plan and started to feel excited. I could see my way through the mess I'd created. Enter phase two: Realizing I wasn't doomed.

I transferred my balance to a 0% interest card. I also took a look at my income versus my monthly expenses. I mapped out my pay schedule and upcoming expenses, determining when I could afford to make additional payments and exactly how much. I passed on nights out with friends and buttoned up my spending so that it was as efficient as possible.

I made sacrifices and remained disciplined, but I began to feel anxious.

Phase 3: Impatience. I wanted instant results.

I wanted to pay off the debt as quickly as possible, so as I saw success, I was tempted to cut back even further. I found myself sacrificing necessities unnecessarily. I wanted all of the debt gone, and I wanted it gone immediately.

Image via iStock.

But cutting back on necessities was stressful. The debt was still there, and now my quality of life was decreasing. "Some people create a budget, they're starving themselves, they're isolating, they're trying to shave off too fast, and their quality of life is extremely impaired," Freeman explains.

So, I had to tell myself to stay calm, be patient. Give it time.

I learned to celebrate small milestones — down by 25%! 50%! It was an incredible feeling.

After a year of feeling like I was throwing money into a black hole, suddenly I could see the difference. The lower the balance got, the more determined I was to master money: phase 4.

In just a few months, the debt was gone. A challenge that previously felt insurmountable was suddenly nothing.

Literally, balance 0. I'd done it.

Image via iStock.

Not everyone can pay off debt this quickly (and many people are faced with paying off much higher balances). I was fortunate enough to be responsible only for myself and to have the financial flexibility to put every extra penny toward my debt. But one thing I learned is that even the smallest amounts do add up, as cliché as that sounds.

I felt elated. And I felt empowered.

I was ready to tackle any financial goal that came my way. I was almost addicted to that feeling of success. Phase 5.

“That’s called a process addiction. … there are payoffs emotionally," explains Freeman. "By paying it off [you] get some sort of external self-esteem.” And he cautions that the true goal is to learn how to not get overwhelmed by debt and to view financial hurdles as long-term goals that you can and will conquer with time.

Image via iStock.

After that first major failure and subsequent triumph, my financial game is much stronger. And I've found that there’s no substitute for education.

Trying to tackle debt without understanding it was useless. It was like throwing a ball while squinting up at the sun. I had no idea where my efforts would land. And I sure wasn’t hitting my target.

But that feeling once I dug in, found the right resources, and knew what to do? Oh, it was glorious. It was a small win, but it made me feel like any of my financial goals are possible. And in truth, they really are, given hard work, due diligence, patience, and of course, just the tiniest bit of luck. Now, on to my next financial goal!

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Florida city forecloses on man's home after fining him $30,000 for not mowing his lawn.

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Should a man lose his home because the grass in his yard grew higher than 10 inches? The city of Dunedin, Florida seems to think so.

According to the Institute of Justice, which is representing Jim Ficken, he had a very good reason for not mowing his lawn – and tried to rectify the situation as best he could.

In 2014, Jim's mom became ill and he visited her often in South Carolina to help her out. When he was away, his grass grew too long and he was cited by a code office; he cut the grass and wasn't fined.

France has started forcing supermarkets to donate food instead of throwing it away.

But several years later, this one infraction would come back to haunt him after he left to take care of him's mom's affairs after she died. The arrangements he made to have his grass cut fell through (his friend who he asked to help him out passed away unexpectedly) and that set off a chain reaction that may result in him losing his home.

The 69-year-old retiree now faces a $29,833.50 fine plus interest. Watch the video to find out just what Jim is having to deal with.

Mow Your Lawn or Lose Your House! www.youtube.com

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Michelle Obama named 'most admired woman in the world,' because of course she is.

The world can't get enough Michelle.

Jimmy Kimmel Live/YouTube

The world officially loves Michelle Obama.

The former first lady has overtaken the number one spot in a poll of the world's most admired women. Conducted by online research firm YouGov, the study uses international polling tools to survey people in countries around the world about who they most admire.

In the men's category, Bill Gates took the top spot, followed by Barack Obama and Jackie Chan.

In the women's category, Michelle Obama came first, followed by Oprah Winfrey and Angelina Jolie. Obama pushed Jolie out of the number one spot she claimed last year.

Unsurprising, really, because what's not to love about Michelle Obama? She is smart, kind, funny, accomplished, a great dancer, a devoted wife and mother, and an all-around, genuinely good person.

She has remained dignified and strong in the face of rabid masses of so-called Americans who spent eight years and beyond insisting that she's a man disguised as a woman. She's endured non-stop racist memes and terrifying threats to her family. She has received far more than her fair share of cruelty, and always takes the high road. She's the one who coined, "When they go low, we go high," after all.

She came from humble beginnings and remains down to earth despite becoming a familiar face around the world. She's not much older than me, but I still want to be like Michelle Obama when I grow up.

Her memoir, Becoming, may end up being the best-selling memoir of all time, having already sold 10 million copies—a clear sign that people can't get enough Michelle, because there's no such thing as too much Michelle.

Don't like Michelle Obama? Don't care. Those of us who love her will fly our MO flags high and without apology, paying no mind to folks with cold, dead hearts who don't know a gem of a human being when they see one. There is nothing any hater can say or do to make us admire this undeniably admirable woman any less.

When it seems like the world has lost its mind—which is how it feels most days these days—I'm just going to keep coming back to this study as evidence that hope for humanity is not lost.

Here. Enjoy some real-life Michelle on Jimmy Kimmel. (GAH. WHY IS SHE SO CUTE AND AWESOME. I can't even handle it.)

Michelle & Barack Obama are Boring Now www.youtube.com

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France has started forcing supermarkets to donate food instead of throwing it away.

via EarthFix / Flickr

What will future generations never believe that we tolerated in 2019?

Dolphin and orca captivity, for sure. They'll probably shake their heads at how people died because they couldn't afford healthcare. And, they'll be completely mystified at the amount of food some people waste while others go starving.

According to Biological Diversity, "An estimated 40 percent of the food produced in the United States is wasted every year, costing households, businesses and farms about $218 billion annually."

There are so many things wrong with this.

First of all it's a waste of money for the households who throw out good food. Second, it's a waste of all of the resources that went into growing the food, including the animals who gave their lives for the meal. Third, there's something very wrong with throwing out food when one in eight Americans struggle with hunger.

Supermarkets are just as guilty of this unnecessary waste as consumers. About 10% of all food waste are supermarket products thrown out before they've reached their expiration date.

Three years ago, France took big steps to combat food waste by making a law that bans grocery stores from throwing away edible food.According to the new ordinance, stores can be fined for up to $4,500 for each infraction.

Previously, the French threw out 7.1 million tons of food. Sixty-seven percent of which was tossed by consumers, 15% by restaurants, and 11% by grocery stores.

This has created a network of over 5,000 charities that accept the food from supermarkets and donate them to charity. The law also struck down agreements between supermarkets and manufacturers that prohibited the stores from donating food to charities.

"There was one food manufacturer that was not authorized to donate the sandwiches it made for a particular supermarket brand. But now, we get 30,000 sandwiches a month from them — sandwiches that used to be thrown away," Jacques Bailet, head of the French network of food banks known as Banques Alimentaires, told NPR.

It's expected that similar laws may spread through Europe, but people are a lot less confident at it happening in the United States. The USDA believes that the biggest barrier to such a program would be cost to the charities and or supermarkets.

"The logistics of getting safe, wholesome, edible food from anywhere to people that can use it is really difficult," the organization said according to Gizmodo. "If you're having to set up a really expensive system to recover marginal amounts of food, that's not good for anybody."

Plus, the idea may seem a little too "socialist" for the average American's appetite.

"The French version is quite socialist, but I would say in a great way because you're providing a way where they [supermarkets] have to do the beneficial things not only for the environment, but from an ethical standpoint of getting healthy food to those who need it and minimizing some of the harmful greenhouse gas emissions that come when food ends up in a landfill," Jonathan Bloom, the author of American Wasteland, told NPR.

However, just because something may be socialist doesn't mean it's wrong. The greater wrong is the insane waste of money, damage to the environment, and devastation caused by hunger that can easily be avoided.

Planet

Single dad asks his daughters for fashion advice before a date and strangers on social media responded with some helpful suggestions.

The world is dark and full of terrors, but every once in a while it graces us with something to warm our icy-cold hearts. And that is what we have today, with a single dad who went viral on Twitter after his daughter posted the photos he sent her when trying to pick out and outfit for his date. You love to see it.




After seeing these heartwarming pics, people on Twitter started suggesting this adorable man date their moms. It was essentially a mom and date matchmaking frenzy.

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