Sunday, November 13, 2016

It is stupid to buy a BRand New Vehicle, EVER!!!

I had to do it!  Yes, I had to get rid of my truck note, It was killing my wealth.  According to Dave Ramsey, having a car note is the first thing that needs to go when trying to become debt free.  But, this was not an easy feat. I was $10,000 upside down on my truck note!  I prayed earnestly to God for a solid year asking God for the opportunity to get this money to pay off the difference. 


 

A bit of history, I got the truck the day before thanksgiving in 2015. Why I did that, I do not know. I was very impressed with my negotiating skills I suppose.  I had been wanting to get a Toyota tundra since 2008, and I felt as if the time for me to have my truck had come.  WRONG!  It is never the right time to get stuck in a high car note.  My note was $702/month and $200 insurance for a total of $902/month.  I can’t afford that, what was I thinking?  Every month Id watch Dave Ramsey and try to plan my budget.  I prayed with fervor that I could get the money to get out of this truck note. God finally answered my prayer!!!

The answer to my prayers came in the form of a Nursing strike in Minnesota!  Thank you, Minnesota; you have been good to me!  The money I made on that strike allowed me to get out of two financial holes I had dug myself in.  Both debts were $10,000 each.  Thank God for Minnesota! 

Fast forward to last week.  Well last week I wanted to sell my truck for the quote that was originally given. In June I was offered $30,000 for my truck, last week I was offered $27,000, 28,000, and finally 29,000. The $29,000 came from another Toyota dealer surprisingly!  A bit of advice, if you purchase a brand new truck, do not expect to sell it back for a good/righteous price. Everyone is out to make a dollar. Remember that! 
 

Don’t by items you can’t pay cash for!  I wish I had listen to my own advice. Im sad that I actually signed the lease and I am happy that God made a way out of it.  These days I am going to buy a bike first then I will buy a cheap vehicle for emergencies. If you don't have the cash to buy an item, don't buy the item!

Also, I tried to sell the truck on craigslist for an entire year. NO luck, only people trying to scheme you and hustle, “time wasters.”  I might do a youtube video on this one.  It feels so good to not have to come up with that car note money before the 9th of each month. I am very happy though!!!!!!!

SIDE NOTE: AVOID DOING BUSINESS WITH DON MCGILL TOYOTA HOUSTON! TRUST ME, YOU WILL REGRET EVER GIVING THEM YOUR MONEY!

Monday, May 23, 2016

Changing my life through Minimalism!

I would like to talk about how I plan on changing my life through minimalism. I can’t say that I am a true minimalist but I do subscribe to the philosophy. I love the fact that getting rid of clutter is a lifestyle. But, what I want to do is learn how I can apply the healthy eating to my life style and also decreasing debt. I will become accountable to my audience and post weekly or daily on my progress.  My goals are as follow:

 1. Continue to educate myself on minimalism, 2. Lose about 100LBs  3. Get out of debt.  I believe if I can achieve all these goals my quality of life will improve.  Debt causes one to work more hours than necessary.  And the eating out at fast food places is detrimental to the mind and body.  So if I have anyone that is interested in doing this with me let me know. I will let May 24, 2016 be my start day to achieve my goals.  I will post and be accountable daily if I can on my progress.

Monday, March 7, 2016

Remember the acronym "ASL"

Who knows what the acronym "asl" stands for?  I know people from the 90's who when the internet first started we used this in chat room sites. Back in those days when you got on a chat, it wasn't possible to know or see who you were talking to so the first thing you would do is type "asl." This stands for "Age,Sex and Location." That was just a brief history on the internet.  Welcome to Internet History 101.


www.terrellash.com

Wednesday, January 6, 2016

Minimalist Apartments SCAM!!


Say NO to miniature/ small apartments!! I have seen a moving trend of real estate developers building small apartments in the name of environment and calling them minimalist apartments.  First, I am not a minimalist but I do believe in owning less and thus having more money. My argument with the miniature apartment concept is that apartments do not apply when you speak of minimalism.  A house on the other hand does apply because a house is owned and not rented.  The reason apartments do not apply is that these fancy card board cut-outs are being rented for prices that will soon increase; thus leaving the renter paying more money for less apartment space. It’s a terrible idea!!!  Don't pay more money for less apartment!! That's wrong!!! They are building cages and prison cells and calling them luxury minimalist apartments. There is no such thing as a minimalist apartment, but there is a such thing as hustling a lot of people out of money and telling them the little small space they reside in is in fact a minimalist constructed apartment. If you want to live in a small home then build it on your own land. I guarantee you, Leon Ash has not fallen for the minimalist apartment SCAM.   I live in a 770 sqft, 12 ft ceilings apartment.


 
I have one couch, one TV, one bed, and nothing else. It’s a big empty home, but I love it!!!!!!! These are pictures of my place.  If you want to live in a minimalist lifestyle, don’t rent a small apartment to make you feel like you are living the lifestyle.  You can rent a nice size apartment and better than that you can buy a small home.
 
 
 
 
 




 
 
Don’t get SCAMMED!!!
This message approved by Leon Terrell Ash.

Thursday, October 22, 2015

I love me some HOUSTON, TEXAS!!!

Aint nothing like the "H" baby!  I don’t know how to explain it but to ME, Houston Texas has the most beautiful DAYS!!! I mean, when I step outside, I get a NEW since of LIFE and Well-Being!  My inner being becomes excited, when I look up and see the beautiful sky, the beautiful trees, the beautiful buildings and the beautiful people.  Listen, I love the Bay and I love Los Angeles, but they hold no comparison to Me.  Houston is my first Love, Real Talk! I live in this city, and I want to support this city. 

I want to see it grow! I want to see it prosper!  I want to promote progress here for others!   When I go to Oakland, Cali, I love the place but I have one fault with it.  I wish Oakland would promote the cleaning of its downtown like Houston.  Houston has a clean downtown. Trash is dealt with appropriately thus promoting the newness of this city. Thank GOD for Houston, now I know what the slogan means, “Born an American, but Bless to be a TEXAN!” I love me some Houston! Okay, Let me stop, I got to go outside and enjoy Memorial Park and then maybe even Galveston! Deuces.
www.terrellash.com

Sunday, August 2, 2015

NEW SONG "AFTER OAKLAND" - Leon Terrell Ash ft. Kafoeno

SOME PEOPLE MAY WONDER WHY I NAMED THIS SONG "AFTER OAKLAND."  THIS REASON IS VERY SIMPLE, I LOVE MY FIRST SONG AS MUCH AS I LOVE THE BAY, YA DIGG!!! LOL.