This is more than just a debt blog. It’s a website about transforming who you are and finding your purpose through improving your finances.
I’m Choncé (pronounced Chon-say), a personal finance expert and professional writer who helps hardworking millennials, recent college grads, want-to-be entrepreneurs get unstuck by regaining control of their money so they can live a life with more possibilities and fewer limitations.
You want to stop stressing out about money, pay off your debt, and feel like you have enough.
You’re tired of living paycheck to paycheck, being unable to handle unexpected expenses, and feeling like you can never get ahead.
You want to be excited about your job and income again, be able to afford an impromptu vacation, and live life on your own terms.
Right now, you may be struggling to make ends meet, unable to stop spending on unnecessary expenses, and confused about how you will tackle your debt and move forward.
You probably don’t feel comfortable talking about money openly with others because you feel like you’ve made so many mistakes in the past and just want to ignore money talk completely (Hint: Just because you ignore it, doesn’t mean it will simply go away).
However, I hope you haven’t convinced yourself that there’s no possible way to turn your situation completely around.
How I Can Help
As a personal finance coach who’s overcome many of the challenges you might be facing today, I use my experience to help people like you break through your doubts and setbacks to restore financial confidence.
On this blog and through my personal finance coaching program, you’ll learn:
- How to get over your top money excuses and confront the real issues that are holding you back
- How to increase your financial awareness and get clear on your values so you can avoid equating more material items with true happiness
- Ways to embrace a frugal lifestyle and all its benefits
- How to say goodbye to dead weight like debt and unnecessary expenses that are disrupting your progress
- How to finally view your life as something that you have complete control over
I believe that we were meant to do more than just work and pay bills until we roll over and die. The real challenge is choosing your values and intentions for your future wisely and regaining control over your money so you can use it as a tool to create the life you truly want.
Where I Came From
I was a single mom living in a low-income apartment on government assistance. My lowest point financially was when I had to search on the ground in the parking lot of my apartment complex for quarters because I couldn’t afford to wash my clothes. I distinctly remember pacing around my apartment and wishing I could just earn $1,000 per month to meet my basic expenses.
I was stressed out about money and fed up with it. I found my first full-time job post college with a starting pay of $15/hr. It wasn’t much, but it was more than I’d ever made so I started working on changing my mindset to get more serious about improving my relationship with money. I also started this blog in December.
I kicked off the year with aggressive debt payoff. I cut my expenses, moved to more affordable housing and ended up paying off $11,000 in debt including my high interest car note after earning less than $35,000 for the entire year. I also started freelancing as a side hustle to bring in more money.
I finally felt more financially secure. I was committed to a frugal lifestyle and happy to be in control of my money again and able to continue to knock out my debt. I got married half-way through the year and enjoyed a wonderful wedding for under $10k. My side hustling took off and started to compete with the income from my day job. At the same time, my day job was draining me and taking its toll on my quality of life so I started saving up to prepare for a transition away from my stable job. In September, I made the decision to quit my day job and start working for myself as a personal finance writer, blogger, and coach. My husband and I still managed to pay off more than $14,000 in debt last year despite me taking the leap to self employment.
Interviews and Mentions
His and Her Money: How Single Mom Chonce Maddox is Working Hard to Become Debt Free
Fruclassity: Chonce’s Journey to Debt Freedom
Cook With a Shoe: Destroying Debt with Chonce
PersonalIncome.org: Top 25 Personal Finance Blogs That Actually Help
Martinis and Your Money: Millennial Weddings on a Budget – Interview about how I got married for less than $10k
IonTuition: Q&A Spotlight Series
Debt.com: How Chonce Overcame Dire Financial Troubles
What You’ll Find Here
You’ll find tons of information, advice and resources about improving your money mindset and managing your finances properly on this blog. I put my all into developing the content and I’m a straight shooter who doesn’t like to sugar coat everything.
I love to teach, share, and help people succeed so that’s the type of community I’ve built my blog around. You’ll find lots of encouragement and positivity here along with real solutions to some of your most significant financial issues and obstacles.
I’m also keen on helping people who truly want to be helped so I always add a little extra something for my email subscribers whether it’s free tools, money-saving hacks, step-by-step guides and other advanced content.
Say yes to better finances and a better life by joining the community below today!
Feel Free to Start Here:
Need to save more? Check out my ultimate guide to saving in every area of your life.
Need to earn more? I can talk about side hustles all day and I even started a series to discuss specific opportunities in detail.
Trying to pay off debt without going broke? Aren’t we all!
If you’re struggling with your food budget, you can read about what my family and I did to get our food spending down to $300/month.
Got BIG Plans For Your Money?
Don't we all. But you won't be able to reach your financial goals if you don't save. Download my free guide to saving 50% of your income and make saving second nature. Make this year your most successful yet!