I didn't do a great job starting out! Nonetheless, I didn't give up. I paid off my undergraduate student loan on June 3, 2017. In addition, I cut up all of my store credit cards in June of 2018.

Ronnesha Smith

CEO Learning To Learn LLC

I've never heard anyone say the word "budget" before until a more mature friend of mine mentioned it in 2013. Then another friend of mine mentioned it again in 2014. Late 2015, my sister suggested that I listen to a money podcast. After some time passed, I was inspired to try this thing all out called a budget. My first budget ever was in March of 2016. I didn't do a great job starting out! Nonetheless, I didn't give up. I paid off my undergraduate student loan on June 3, 2017. In addition, I cut up all of my store credit cards in June of 2018.

In May of 2018, I decided to go back to school for my master's. Out of fear that I wouldn't be able to provide for myself financially, I took out another student loan. In the meantime, I planned out all of my trips and paid cash for them while saving to pay off my second student loan debt after I graduated with my master's degree.

During the summer of 2018, I went on two cruises. Also, I went to Cancun for my sister's 30th birthday in September of 2018. In addition, I went on three mission trips in 2019.  On top of that, I went to Virginia for a bachelorette weekend right before COVID.

In July of 2019, I did it! I graduated with my master's degree. Then I started throwing everything towards my debt. After much intentionality and determination, I paid off my second student loan of $16,676.98 in 8 months. I've been debt-free since April 15, 2020. I created a healthy balance of having fun while enhancing my financial situation. 

I can't forget to mention that my vehicle got totaled in an accident in October of 2019.

Also, I got let go from my regular 9-5 job due to anticipated budget cuts because of the pandemic on May 12th, 2020. Fortunately, I managed the expected expenses and prepared for the unexpected, which caused no real financial crisis. 

That is what brings me here today. I want to equip and empower you to manage the expected and prepare for the unexpected with your finances. 

I had zero knowledge on how to run a business. 

• I joined the Business Boutique Academy to learn some basics / fundamentals on my own in April 2020. 
• Completed Financial Coaching Master Training program in January 2021. 
• Then I found myself a business coach in January 2021. 
• Received Quickbooks training in February of 2021.
• Opened a business checking and savings account in March of 2021.
• I had a friend of mine show me some basics of photoshop in April of 2021. 
• Completed Ramsey Preferred Boot Camp in May of 2021. 
• Joined Honeybooks in May of 2021 (created templates and automation of workflow). 
• Completed UPWRD Spring 2021 Cohort in June of 2021.
  

 I equip and empower clients to manage the expected and prepare for the unexpected with your finances. 

• Provide insight on a good defense and offense for their financial situation 
• Budgeting
• Wealth Building / Investing
• Properly Insured
• Debt Elimination
  

My biggest advice is. . . 

• Increase your awareness of your spending or lack of spending habits (money habits)
• Know your motivations behind spending and or saving
• Get an accountability partner and or financial coach
• Understand that a lifestyle change isn’t the end of the world (live on less than you make)
• Stay connected with a community (your support system)
• If you are a financial coach, you should have a coach
• Know that some purchases can wait
• Know that you don’t have to do it all
• Track your every dollar
• Read books and listen to podcasts (self educate)

For sure! I even posted it around my home as a reminder of what I am trying to accomplish by a certain date.

In my opinion, the best way that people can go about accomplishing the goals is by

• Knowing and understanding their “why” (foundational)
• Increase self-awareness
• Accountability/Community/Support System
• Set specific and measurable goals that are relevant to your current situation
• Set goals that are achievable by writing them down and give it a set time limit.

Either of the following 

• Email: ro@learning2learn.org or contact@learning2learn.org
• Phone: 912-550-3508
• Facebook: facebook.com/Learning-to-Learn-Services-LLC-104161655214598
• Instagram: instagram.com/learningtolearnservices
• Twitter:  twitter.com/l2lservices
• Link Tree: https://linktr.ee/learningtolearn