I've been where you are: unexpectedly laid off from a job I loved, I found myself broke and considering bankruptcy. At first, my attempts to climb out of debt and getting back on my feet got me nowhere fast. As we southerners say:

"I had no pot to piss in or a window to throw it out of."

As I went from paycheck to paycheck with no emergency savings, I began to fall behind on bills. Collectors started calling, and found myself in a mountain of debt. I was forced to accept a lower-paying job just to make ends meet. 

I was in a low depressed state, feeling abandoned by God. I went from living in my friend's spare bedroom to moving back in with my mom. Feeling utterly humbled as I laid once again in my childhood bed, I wondered where in the world could I go from here. I'd tried starting my first business, only to watch it fail due to lack of funding and industry changes. 

After months spent crying out to God, he placed a new calling and direction on my heart" to move to Atlanta! With this move, I began to shift my financial mindset and, consequentially, began to break from this financial rollercoaster.

Finally....

Using my new money mindset and money management strategies I now teach my clients, I brought myself out of debt and into financial stability, peace, and wellness. I met my dream husband, had my dream wedding, traveled to Maui for my dream honeymoon, and began making a 6-figure salary and building my net worth.

Through the ups and downs of my own journey, I learned and used these 10 steps when improving my credit score from 580 to 780.