How would you describe your financial situation? What issues did you have with money?
We had gone through a rough time financially and thought we would bounce back quickly. So we did what everyone else does and used credit cards to hold us over until we were in a better financial situation. We accumulated A LOT of credit card debt and once our income stabilized, we weren’t able to put the dent in the debt we had hoped. In fact, it kept growing because using credit cards had become a way of life. It felt like no matter how much money we made, we could never chip away at the credit card debt.
Why did you decide to schedule a Eureka session?
Our financial situation was causing so much stress. It was a major negative in our life. We both knew it had to be fixed before we hit rock bottom. Every New Year, we try and identify something to work on and our finances were surely our weakness is 2017. We signed up for a Eureka session with the New Year, and it has been nothing short of life-changing!
How did you feel going into your first financial coaching session?
Really nervous and embarrassed… like no one else has ever dug themselves into a hole as big as ours.
How did you feel after you left it?
Empowered. Jill gave us confidence that together we could get back on the right track.
How do you describe your financial situation now?
We are in such a better spot! My husband’s credit score has gone up 80 points, mine 30. We are building our savings. We actually had a $7,000 house emergency pop up this month that we are paying for in cash. There is zero stress about it. We are so excited to begin saving for new cars, bathroom remodels, college savings, and our emergency fund! I would have never said that 13 months ago, and here I am loving it!
What has been your biggest mental shift?
My biggest mental shift is that I am capable of achieving any of the financial goals we set. I know where every single dollar goes now, and I’m in control of my finances, not the other way around.