The Beginning

I remember like it was yesterday. I was 17 years old and had just started my senior year of high school. I was sitting at my dad's desk, when the mail came, and it contained something that would almost ruin my life.

The envelope in the mail contained a secured credit card that my parents had encouraged me to get in order to "build my credit." Thus began my long horrible journey with debt.

As I look back, I realize that this was the key event that led me to the financial place my family and I are in.

And over the next few days, I will lead you through my journey from that day to my current place, and that place is in a very deep financial hole. So, if you think I'm going to tell a story about how that credit card helped me become a millionaire, you're wrong. It has made my financial life worse than it should have been.

So...join me over the next couple of days, as I tell of the journey through the desert of debt that my family and I are crossing.

Until we meet again, I am...

Tim, your Tour Guide.