For Households with Debt, Single Incomes, or Living Paycheck-To-Paycheck…

Our Secret For Paying Off $15K

in Credit Card Debt In 1 Year

...On A $31K Salary

Easy-to-implement financial lessons for families ready to stop fighting about money,

get out of debt and change their money story permanently.

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Financial Disaster.

The FD.

Two words that can haunt your thoughts and steal your joy.


I used to think that our financial disaster happened as some punishment for not being good at mental math. But it turns out that a financial disaster can strike for three reasons.

Not Using a Budget

(not having a plan for knowing where your money is going, when and why)

Too Much Month &

Not Enough Money

(the painful knowledge

that you just don’t

make what you need)

Risky Money Moves

(like buying with a credit card when you know you don’t have the the funds)

Not Using a Budget

(not having a plan for knowing where your money is going, when and why)

Too Much Month &

Not Enough Money

(the painful knowledge

that you just don’t

make what you need)

Risky Money Moves

(like buying with a credit card when you know you don’t have the the funds)

Under normal circumstances, these three reasons: learning to use a budget well,

living within your means, and making smart money moves are financial foundations.

So looking back, it’s not hard to see how our lack of all three foundations (including the NO budget!) had painted us into a dire financial situation. 😩


We were just recently married with a baby on the way and after a series of choices, we found ourselves completely swept up in a very messy money story…


We lost our house, maxxed out a $15K credit card, were barely surviving off our $31k salary…and had $0 in savings.


Financial disaster is exactly how I’d describe that scenario.


We desperately needed a plan to change our circumstances.

So looking back, it’s not hard to see how our lack of all three foundations (including the NO budget!) had painted us into a dire financial situation. 😩


We were just recently married with a baby on the way and after a series of choices, we found ourselves completely swept up in a very messy money story…


We lost our house, maxxed out a $15K credit card, were barely surviving off our $31k salary…and had $0 in savings.


Financial disaster is exactly how I’d describe that scenario.


We desperately needed a plan to change our circumstances.

But if you're barely getting by...

how can you possibly get ahead?

During our FD, I felt like I had a hard time getting advice from anyone I felt like I could relate to.


My friends were no help because apparently people don’t like to talk about money.


So I found experts in books and online, telling me strategies for paying off my house, buying a car in cash or what accounts to invest in for retirement…

Which wasn’t very helpful or relevant for me since we could barely make ends meet or afford groceries.

What I really needed during this time was for someone to tell me how to talk to my husband about money… without fracturing our relationship further

Or - the pipe dream - how to afford to take our kids to Disneyland one day even though I felt HELPLESS at ever making it a possibility

Where was the financial advice for THAT stage of money management? How do you budget for that?


Because all the Dave Ramseys, Suzie Ormans or Rich Dad Poor Dads of the world were all missing the same thing…no one was talking about how to recover from financial disaster. No one was speaking my language.

They were talking about $10k decisions of the future and wealth building …advice for people living out a much different money story than what mine currently was.

I needed to learn how to change our story from someone who had been where I was.

Millionaire finance gurus had not been where I was.


Turns out, we needed to change our perspective when it came to creating financial foundations for ourselves.


So, we stopped stressing about the $1000 and $10,000 decisions altogether and instead started focusing on the $1, $5, and $10 day-to-day little decisions. Because it’s these little changes that helped us see our biggest results.

These were the shifts that started to create

healthy financial foundations.

This is what began to change our money story.

But if you're

barely getting by...

how can you possibly get ahead?

During our FD, I felt like I had a hard time getting advice from anyone I felt like I could relate to.


My friends were no help because apparently people don’t like to talk about money.


So I found experts in books and online, telling me strategies for paying off my house, buying a car in cash or what accounts to invest in for retirement…

Which wasn’t very helpful or relevant for me since we could barely make ends meet or afford groceries.

What I really needed during this time was for someone to tell me how to talk to my husband about money… without fracturing our relationship further

Or - the pipe dream - how to afford to take our kids to Disneyland one day even though

I felt HELPLESS at ever

making it a possibility

Where was the financial advice for THAT stage of money management? How do you budget for that?


Because all the Dave Ramseys, Suzie Ormans or Rich Dad Poor Dads of the world were all missing the same thing…no one was talking about how to recover from financial disaster. No one was speaking my language.

They were talking about $10k decisions of the future and wealth building …advice for people living out a much different money story than what mine currently was.

I needed to learn how to change our story from someone who had been where I was.

Millionaire finance gurus had not been where I was.


Turns out, we needed to change our perspective when it came to creating financial foundations for ourselves.


So, we stopped stressing about the $1000 and $10,000 decisions altogether and instead started focusing on the $1, $5, and $10 day-to-day little decisions. Because it’s these little changes that helped us see our biggest results.

These were the shifts that started to create healthy financial foundations.

This is what began to

change our money story.

Over the last decade I have painstakingly developed, tested, and proven through lots of trial and error, a series of BASIC financial principles and SIMPLE budgeting methods that are so effective, so practical, and dare I say..FUN that they helped our family get out of $15,000 in credit card debt in just 1 year while making only $31,000.


We’ve gone on to teach this methodology to over 21,000 students which has resulted in hundreds of thousands of families getting out of debt, putting an end to their money fights, and finally seeing frugality in a whole new light.

Over the last decade I have painstakingly developed, tested, and proven through lots of trial and error, a series of BASIC financial principles and SIMPLE budgeting methods that are so effective, so practical, and dare I say..FUN that they helped our family get out of $15,000 in credit card debt in just 1 year while making only $31,000.


We’ve gone on to teach this methodology to over 21,000 students which has resulted in hundreds of thousands of families getting out of debt, putting an end to their money fights, and finally seeing frugality in a whole new light.

AS SEEN ON:

It's the Relatability for Me

To change our money story permanently, I knew we’d have to keep shifting the ways we think about money.

Shifting from big money decisions to creating habits around the little ones was our first win.

Our first financial foundation to help rewrite our money story.


But, trying to wrap my head around numbers and financial concepts wasn’t working. 🤔


I needed an easy way to think about money, something I could relate to.


Our FD happened to be during a time that I was absolutely obsessed with watching Biggest Loser on TV.


Suddenly, I wasn’t counting dollars, I was measuring calories. And I wasn’t budgeting, I was whipping my wallet into shape.


Whether you’ve been on your own fitness journey or are just equally obsessed with Biggest Loser, we can all relate to the journey of getting in shape (or watching them). Budgeting doesn’t have to be any different.


In fact, it’s that same healthy glow up effect that has given me a new perspective for what solid financial foundations can do for you.


I call it the Sparkle Factor, or rather SPRKL Factor. Let me explain…


AS SEEN ON:

It's the

Relatability

for Me

To change our money story permanently, I knew we’d have to keep shifting the ways we think about money.