亲们，关于这里写的东西，涉及隐私，请不要转载。 Warning：看完以后有些人会不想做安利，如果不愿意承担风险，请不要往下看。

亲们，2019年好。好久不见的小诗最近出现在了洛杉矶的教室。我很想念你们。不过，我从2019年开始，大概会25%左右时间会在洛杉矶，其他大部分时间会在Vegas。我跟老公会结束3年半的两地分居，重新开始经营婚姻。

As the time I am writing, I have $14,644 in debt. Comparing to $38,000 in this April, it is a great progress. For the lessons I learnt along the way, I can say as follows: Cut up the credit card and promise

Dear XS, This is Christmas night. And 2018 is almost done. 2018 is not an easy year for you. And yet it is definitely pivotal. This April, you finally sat down and faced your finance: very scary. You found

I paid off $20,000 this month since April 11 this year. It is not the best journey I ever had. But it is so rewarding along the way. I learnt how to budget. I started living in the office. I do 3, 4, 5

For the past 6 years, I relied solely on Amway income. The income went up in the first 3 years, up to 50,000 a year at the most. But I spent even more. My behavior caused this journey. There was no body

So, why I am aiming to pay back at least $2500 per month? It is a lot tougher than just getting on a easy minimum payment.Digging out of a pit that I dug for myself is not easy. Especially I had $24,000

Nobody gets into debt overnight. It is not like that I woke up in a morning and said to myself:"let me get into debt! It seems a great idea!" LOL. There is a saying:"spend the money you

Hello, this is Xiaoshi. I start this blog on today because today is 08-18-2018. 8 means fortune in Chinese. In my opinion, one million dollars means one can retire with a comfortable life. So, this is