How They Paid Off $30,000 of Debt in 6 Months (Without Being "Gazelle Intense") | 556

Here's a little bonus pro tip. Put it on every six months or every year, call your cable company, call your phone company, call your internet company, call your insurance, and renegotiate. Threaten the leave if you have to, or not afraid of good time, okay? And see if you can get a lower bill or do some sort of deal to save money. Yeah, I just did that recently with my internet company. Fun time. I said I was leaving and they cut me $20 a deal month, like $20 less a month that I'm paying. So it does work. And remember when you're calling insurances, don't just call your auto insurance, call your homeowners insurance, and if you have health insurance, call them as well. And again, we're looking at calling brokers because they will give you the best deal when you are researching. Do you make good money but have nothing to show for it? Are you tired of living paycheck to paycheck? Do you have big dreams for your financial future? Do you want to get debt-free but you don't want to live on beans and rice? Or you don't want to give up this pumpkin spice latte? If you don't already know how to budget, or if you're using credit cards to get through the month. If you want to seem like you have your finances all together, or you're not on the same page with your spouse when it comes to finances. We know what you're doing probably isn't working. But guess what? You're in the right place. We're Shayna. And Vanessa, we're best friends, business partners, and master financial coaches trained by Dave Rancy. We've been in business since 2019, helping hundreds of amazing people like you create budgets, get out of debt, stop living paycheck to paycheck, and know exactly what to do with their money. And this podcast will share with you everything we know, plus everything we're working on with our clients, so that you have the best chance at reaching your financial goals. We want to help you take the guesswork out of your budget, improve your marriages, even bring your kids in on a conversation. We can help you no matter where you're at, whether you're the single mom who's never had $500 in their savings account, or the millionaire who's paid off four real estate workers. And we're not going to shy away from the tough love. We'll tell you what you need to hear and encourage you at the same time. This is the Financial Coaching for Women podcast. We are excited to give you a case study, you guys. What we're going to do is walk you through a beginning to end to give you the situation of what these clients started, what they did, and where they ended up, so that you can hopefully get some inspiration, get some ideas, or get some tips on what you could do. Yeah, absolutely. And they are... This couple that we're going to talk to today is very normal couple. They have... They're married, two kids, they both work. So it's not an extreme circumstance. It should relate to a lot of you listeners. So let's just get into the meat and potatoes of it. Their average monthly income was about $16,000 a month. They had 34 debts. 34 debts did not include their mortgage. This was all Clorna's and Sizzle Pay's, and personal loans, vehicle loans, student loans. It was... And a lot of it was credit cards, a lot. So I just want to throw that out there that they were in a dire situation. Do you know why? I do. They had, I believe, her mom passed away a couple years ago, and everything just slid downhill from there. She was in a really dark place and decided that they needed, quote, unquote, needed to go on vacation and do other things, and she didn't want to be home, and so they racked up a ton of debt from that point on. And once it started, she couldn't get a hold of it, so she just kept putting stuff on debt. So yeah, it racked up very quickly. Yeah, because I feel like that is an extreme circumstance that we don't see that often. We see, it's normally like you really are living a lifestyle that you can't exact, you may be able to afford, but not exactly, so you start using some credit cards, but a lot of times it's medical, or there's a trauma, or a death in the family, or something that sort of triggers this big situation that they were in. Happy that she was able to see, she could use a little help to get out of it. Yeah, and her monthly minimum debt payments were $6,300 a month, and that was minimum, guys. The minimum amount that she had to pay on her debts every month, $6,300, and that was suffocating her. Absolutely, and that was without the mortgage, she said, right? And so when we said her income is $16,000 a month, or their combined income, then you can see $6,000 of that is going toward debt. And what we know is once you get that taken care of, then that will alleviate the situation, but then I also, that tells us that in order to rack that up, they were spending what $10,000 or more over what they were making each month in order to get to the point where they had that much debt, unfortunately. And when she first started coaching, the total amount of debt that she had on her debt tracker was $304,757, and again, that did not include her mortgage. That's scary. Yeah, it was really scary, and I also will say, she was a simplified budget system user for about six months on her own, and tried the DIY, and she finally signed up for coaching, and she said, I just need somebody in that quarter. I need some help. I need somebody to look at this differently. And she was one of those where I don't think I can afford coaching, but I know that I need it. And she made herself afford it, which she put it on credit. Didn't go on debt. We budgeted in for her, but it made a world of difference. Yeah, and it makes me think of a lot of times. I've had a couple clients that said, they didn't have any more debt they could put anything on. Like, they came in and they were like, yeah, so they have to start paying cash, and that might be a situation you find yourself in. I really need to figure this out, and that's when it is a good time for coaching. Yeah, absolutely. And I think that having somebody there showing her different ways to do stuff, and just bouncing ideas off of her, off of me, and again, when you're in it, and it's yours, you get tunnel vision sometimes, and you don't really see the whole picture, because you've been seeing it a certain way for so long, and you can't see anything else. Yeah, and it just feels hopeless, probably. And we had somebody say in our Facebook group that she really wanted to get her life together for her kids, basically, like she knew that they knew. And I'm being facetious with that, she didn't say that, but like, she knew she wanted to get this figured out because she wanted to do better for her kids, and I'm sure that was part of her situation coming into this with her goals, was knowing that I have these two kids, and I need to figure this out, probably. Yeah, and she just knew that the trajectory that she was on was not good. She needed to do something different, she needed to change, she needed somebody else come in. Yeah, so she knew that she, her goals were, she wanted to learn how to manage money better, set up savings and budgeting to cover all expenses, so she didn't have to use those credit cards, pay off credit cards, praise God, and personal loan debt. Yes, that should have been number one, but that's fine, you gotta do it in order, whatever matters to you, and then take family vacations, pay for and cash, I'm sure. We did those. And remodel her home, which is, or remodel rooms in her house, which again, pay for and cash is just fantastic. Yeah, and it seems like those are reasonable goals, not like she's asking to do extravagant things. All those are everyday normal things that we all want, things that hit us. Do you know what's on almost everybody's goal list, Vanessa? Family vacations. Sure. We want that for you too, guys. We want that for you too, guys. We just told you, they came in with over $300,000 of debt without, that's without their mortgage, and they were paying $6,300 in minimum debt payments every month, and they had 34 different debts listed. Vanessa got to put painstakingly into their budget. That's where they started, and when they were done with coaching, drum roll please, Vanessa, tell me, tell us, what happened? So their income, this is really important. So their income didn't change. Say it not stayed steady. So a lot of people think that it was an income change or job change. None of that was different. But I will say that they paid off 11 total debts while she was with coaching, and so now she's down to only 23 of them, which is huge. And I will tell you that one of them was a car payment, I believe, with a $1,000 payment a month. So that was a really good way to alleviate some room, make some wiggle room in her budget. And then she paid off $30,000 in debt by the time she was done coaching, which is huge guys. Imagine paying off, okay, invested in coaching pennies. You paid $30,000 off in debt in six months that you didn't think was possible, and because you didn't have somebody there to show you properly how to do it. Guys, remember they were paying over $6,000 in minimum debt payments a month, and in six months, they were able to reduce that, though those minimum payments by almost $1,000. And understand they're also paying for coaching during this time. So once you get coaching out of your budget, you'll be able to put more towards that. But just in six months, I feel like it probably took a couple months just to get it all listed. I love you guys, I'm just messing with you. But right in six months, they were able to reduce how much they're paying out by almost $1,000, that's huge. Yeah, it was a lot of relief in her budget, the wiggle room that she needed. And honestly, here's the other part, is she said, look, I'm not living on rice and beans. I want to, I have two kids, they're in a fun time in their life, they're involved in sports, they did travel sports. They wanted to go on some of the stats from. Yes, they also wanted to go on vacation and do things as a family. How did they get to me about that? I'm just kidding, I'm sorry. I'm doing it again. When they weren't at sports. I'm sorry, I told them this happened anyway. Yeah, she said, we're not gonna live, we're not gonna be gazelle intense, because otherwise I'm gonna look back and miss this part of my life with my kids. So I just wanna say that she was able to do all that and also enjoy every day life with her family. And what's cool is they also got a paycheck head, which is also why it takes a minute to get all of these, can't do all of them immediately, but you want to get everything organized, you wanna get your accounts, you wanna try to get a paycheck ahead or have a buffer, and then you're gonna start really going aggressively at the same time, apparently, it was your savings buckets as paying off debt. So it takes a minute, but they got a full paycheck ahead, which I know felt really good. And I didn't, I know I'm getting a little ahead of myself here, but I do wanna say that you said it cleared up a lot in her budget when she paid off those 11 debts. It also clears up your mental clarity. If you're having so much going on and out, that's 11 things you don't have to put in your budget now. Ta-da, you did a great job. Yeah, and I will say that didn't happen like she did, it didn't happen overnight. We didn't do all of it in month one. I don't believe she got a paycheck ahead until about months three or four into coaching. And even that she didn't believe me. I remember our very first free call, she said, I wanna get a paycheck ahead. And I said, well, get there and she's like, I don't believe you, literally. She just did not, she couldn't see it for herself. And then we finally got there and it was just this massive sign of relief of, oh my gosh, the money is always gonna be there now and bills are paid because it wasn't before. These are more... Of what they did. Yeah. Being moved up. Start living money in bills. I do wanna talk about how she no longer tracked every transaction because that was like, she was down to the head. Okay, say that one. Where does that say that? It's right here, but I know what she meant. Okay. Here we say it there, what do we move it up? No, I think it's here. That's something you accomplished. Like that. And you can say, and you were talking about the mental clarity, Shayna Bola or whatever and then just loop it in there. Yeah. Another thing that she stopped doing and Shayna was just talking about mental clarity is that she no longer tracked every single expense. Okay, so we talk about this tracking era that's going on and everyone needs, you need to track to the penny, what's going on, you need to track every time you go to the grocery store, every time you do this. And that's what she felt like or thought that she had to do in order to be successful at this budgeting, right? And she's not, she's no longer doing that. She's the paycheck ahead, the money's flowing in, it's flowing out to her spending, flowing out to her savings, flowing out to all her payments automatically. And she is not in the budget system every single day, trying to figure out exactly what she did and feeling like she had to write those numbers down. Yeah, for the most part, when she built the system, it just runs on itself and there's maybe one or two things you need to go do. And obviously working with Vanessa, she had to build the confidence to believe that could be true, but it is true when she set it off. Okay, we have told you where they started and what amazing things they accomplished. Let's tell you the how, the tangible hows, because these are the things that you can do that can really help you out. And the first one is we said she paid off 11 credit cards, but the really important thing here is to close those credit cards, okay? It's not, there's so many different reasons to do it, whether you have random bills set up to them, you don't need that clutter in your life, but also you don't accidentally need something else to charge to it, you don't need the temptation, you don't need your credit score having, it's not doing you any good to have 11 credit cards open and have no balance recurring on them, so that doesn't help anyway. And also just having that many loans open or whatever the credit cards companies call it, that's not good. So we need to close them and get closure. And it prevents fraud too. How do you need all these credit cards sitting there able to be used? She has the temptation, all of that. And I had a client recently, he said, I just have that, I mean, he was really feeling a certain kind of way when I told him to close his cards. And he said, I have access to $20,000 and I said, tell me the last time you had a $20,000 emergency. And he paused and he said, I haven't. And I said, exactly, so we're gonna close them. And he said, we have 30 of them open. And I was like, they're not using them, but they're open as like, yeah, no. We're gonna go get that. And the other point is get yourself $20,000. When you do this and when you're focused and when you're doing a good job, you can get $20,000 saved up in your bank and being your own emergency bank. Exactly. Also the goal. But another thing they did is they refinanced their Tahoe from a 9% to a 6% interest rate, which obviously saves over the life of a loan. It probably saved them over the monthly amount as well. But the other thing here is I bet once they close those 11, their credit score actually probably went up. That's what happens when we're working with you to pay stuff on time to not, even if you can afford it, there's so much going on that you probably don't look like the best candidate for credit a lot of times, especially if you have 34 debts like she did. So closing those, getting them paid off and closing them, probably actually maybe not immediately, but over a month or two or six, we'll probably raise her score. And then maybe she'll even be able to get a better interest rate, but even with what you guys said, she was able to get 3% back. And now I want to say possibly it went up. No, I think every single time she and we talked to clients about closing these cards and they're continuously making payments on other cards, whether mortgage or student loans or vehicles or different things like that, your score is naturally going up. So we've not ever had a situation where somebody has come to us and said, oh my gosh, I closed all these cards, my score continued to go down for months. No, it literally goes right back up. And I even had a lady recently say, my score is almost in the 800s. I've never had that. And it was just because we followed your system. So it does work. And I want to say that's what we tell you is that your credit score will do all it needs to do. I think my husband has a $800 or whatever it is. However, the highest one that you can have with a mortgage and then everyone's willing to have a car payment for a couple of months, it's really a fun time that we have. But other than that, that's the best debt that you can have. And it can be that high. Like it can be that high without you having to have all of this stuff going on. Not that we necessarily care if it's that high or not, but we're just, if we care for you. Sure. The other thing I want to say about the cards is she did defer her car payments to two different cars like once each during this, which gave her enough wiggle room that month to make a huge payment on a couple of cards, they could pay some off. We know that deferring a car payment is not going to mess your credit score up. So we've heard it time and time again from clients. They've done it time and time again and it's worked for them. So if you have a car payment that's really eating at your budget, taking up a lot of space, maybe you could defer it. And like this client did, maybe you have two car payments you could defer and she used all that money to put it on debt. And again, allow herself some of the room. Yeah. It's time to enter your coaching era because making good money should feel like making good money. Yeah. Imagine six months of private coaching where we'll tell you exactly what to do. No guesswork, no confusion, and absolutely no judgment. It's a done for you system that actually works. You don't know what to don't know and that's not your fault. And that's why we're here. Financial coaching with us looks like two coaching sessions a month, personalized recaps, and after hour support you can text an email. So you're never stuck wondering what to do next. Together, we're going to build your budget, set up your system, and tackle any challenges that come up along the way, which by the way, they always do. If what you're doing isn't working and you're tired of trying to figure it out on your own, sign up for financial coaching at budgetbesties.com forward slash coaching before all of our spots fill up and we will help you go further faster. Six months from now, you'll wish you started today. The other thing she did, and this is one of those things that nobody wants to do, but it usually makes the biggest difference or such a big difference, is she called all of her lenders, which for her was not a short task. That was not a quick task, but... Took a couple days. Yeah, we're proud of her for doing it. And the thing is, yeah, immediately you'll be able to see relief. That's what's really promising about this. For example, she was able to reduce her affirm payment from $519 to $350. So she saved almost $200 that month, which is huge. That's a big deal. She also reduced another payment by $90 a month. She had two other loans that got reduced. One was $56 a month. The other one got reduced by $43 a month. And she was able to skip a payment. There's so many different avenues and so many different benefits to just picking up the phone and calling your creditors and seeing what they could do for you. Yeah, and guys, sometimes if you get these skipped payments or deferred payments, there's a lot going on. But if you're in the position, if you can pay off a smaller debt and get rid of that, use the money that you're getting back in your budget to make it so next month you don't have as many debts. And in this case, a lot of times we'll tell you, and obviously this client did too, I want to start my savings buckets. This is important to me, blah, blah, blah. We might need to do a triage, and that's happened plenty of times with clients. We have to get this debt burden down first, no matter what. Your budget is at zero or worse, so we have to focus on this. So if you get some money back in your budget, pay off a couple small ones and we'll keep... And if it took her two days to call, even if she calls five a month or five a week or whatever, and then we keep recycling any gains into paying off some of the smaller ones and then we can keep going. And just so you get a new baseline, if you can get to a baseline, especially a lot of times I have clients where they're not in the black yet, we need to get to the point where you just can make a regular budget and then you're not coming out of pocket from some other random place that we don't really have to pay your monthly budget. Then that's what we want to do with this and then we can move forward into extra spending or more savings or whatever. Yeah, and it's having 34 credit cards. You can obviously assume that there were no savings buckets happening at the beginning. Okay? Like Shannon says, we were in triage. Yeah, we got to get organized and get figured out. We have to know what the heck is going on and how to get out of this mess first and that's what we did. And it wasn't until later on, like we said, where she got a paycheck ahead that she was able to start putting money in our savings buckets. And I want to say even by the end of the coaching, she was only funding two savings buckets, which was Christmas because it was coming up and annual bills because that's a non-negotiable. Yeah. And so this client had their own business, which is a blessing and a curse. So it doesn't... Yeah, everybody has their own way or path. Like even if you don't have your own business, you might be able to turn up the gas or push on the gas or whatever by working overtime or getting a special bonus or getting a second job. There's all kinds of different ways. But when you have your own business, you have a little bit of control. It doesn't mean you have control of your actions and so the outcomes. And so in this case, she was... You guys were able to figure out what she needed for her budget and then how... or her business budget and then how she could go faster to help her personal budget. Yeah? So she had a 40-hour-a-week job that she worked normally and she got paid really well. She was also in school to get some certifications and get her master's degree and everything that she needed to level up and continue to get paid more for what... you know, for her specialty. And she also saw clients on the side. And so we figured out, okay, you have to minimally make $850 a week from your one-on-one clients to be able to supplement and make the budget work. And so we figured out how many hours that was, how many clients that was, and that was her bare minimum. Like she knew she had to make that. And I think it gave her vision and clarity to not like, oh, I think I need more. I'm not really sure. I think I have to work till 9 o'clock at night. No, there was none of that. We had her set hours instead of she could still have dinner with the family and they think. Yeah. And as we always say, this is usually something that we're asking you to ask of yourself for a season. It's not forever. It's going to be a little hard. But unfortunately, that's what's going to take to clean it up. And once you get, give yourself some time to get ahead, then you don't have to live there forever. You don't have to do that forever. But it is really good to know if I'm doing this specifically, if I'm taking time away from my family or from sleeping or from literally anything else that I'd rather do, it's going to actually move my finances forward. I'm actually making progress. And you know exactly what that's doing if you've figured it out like they did. And you can see that light at the end of the tunnel, right? Like you said, it's for a short season. So it's okay if I need to make or make sure that I pay off this amount of debt with it, then you can stop. Yeah. And another thing that they did is they, that she sold extra things extra or sold things to get cash. She did pay for her budget or pay off debt. Yeah. She had a lot of things in her house that she no longer wanted or needed. And she was prolonging a garage sale. And so she, I believe it's Facebook marketplace that she did really well on. And she was able to bring in some decent amount of cash to pay off debt. Yeah, that's awesome. And you don't, don't give that the side eyes there. If it's one credit card or it's one summer camp that you pay for the kids that you didn't have to use a credit card, like this is, this works and it's a good job. You also mentioned that she took her a while, took you like till month three maybe to get a paycheck ahead. But that's probably because there was so much to sort, so much to figure out. But then she was able to get a paycheck ahead, which is a big deal. She was. And also I will say with our simplified budget system, we have a paycheck plan in there. And the paycheck plan is different than getting a paycheck ahead. And so we use the paycheck plan to show her and to allow her to trust the system. I think that was really hard for her. She would look at the monthly budget and not understand, sure that this is going to work. We would go over to the paycheck plan tab and show her, look, if this is all you do, if you do this and this, then everything else in your budget will work. That allowed her the piece to trust it, like I said, and to know that she only had to do these four simple things throughout the month and everything else was just going to happen in the background. Yeah. And here's a couple of things that she also did. She canceled cable, which is really important. You guys, none of you are that have that much time to watch that much cable, but either way, once you look at your bills, you might say, here's a streaming service I can cancel or maybe I can get rid of cable, especially when you're looking at, okay, I can have spinning money or cable, which would they want to have, right? So that is something that she looked at and decided they didn't need, along with calling Verizon and lowering her phone bill. And so here's what you can do. Here's a little bonus pro tip. Put it on every six months or every year, call your cable company, call your phone company, call your internet company, call your insurance and renegotiate, threaten the leave if you have to or not afraid of good time. Okay. And see if you can get a lower bill or do some sort of deal to save money. Yeah. I just did that recently with my internet company. Fun time. I said I was leaving and they cut me $20 a deal month, like $20 less a month that I'm paying. So it does work. And remember when you're calling insurances, don't just call your auto insurance, call your homeowner's insurance. And if you have health insurance, call them as well. And again, we're looking at calling brokers because they will give you the best deal when you are researching. So one theme that we're hearing is she was willing to do the work. Sometimes she probably saw that the mess that they had gotten in it. And we understand why there's a lot going on there, but she was willing to do the work. She called credit card companies. She called her billers. She had a garage sale. She did extra shifts with new clients on the side. Like she saw, she was willing to do the work, which is a really important character trait. If you want to get ahead, if you want to get out of debt, if you want to manage your money, especially when there's this much to clean up, kudos to her for that. I think that's an important topic because we just had recently a person wanting to come on for coaching and they weren't willing to do the work. And sadly, we can't do it for you. We would love to be able to have. We don't have a power of attorney. No, we don't have to be able to jump in and do what we can, where we can and when we can, but doing certain things for you. We just, we cannot do. And so just know that if this, if you're in a situation like this or you're in your own type of situation, that you really know that you want to get out of it and you want to change things, you want to change your future, the only way to get out of that is to do the work. We will help you. We will help give you all the tips and advice, listen to all of our podcasts. We have a ton of free resources on here guys, but you have to be willing to implement and know that once you do implement all this, it's going to get better. Yeah. And then another thing that she did is she went from being reactive to proactive. Right? That's what we talk about with savings buckets, right? You, if you're, if the moment is springing up on you and you have a sports bill due, or you have a medical bill due and you don't know how you're going to pay for it, you're going to turn to a credit card. That's just what happens. So now that's why when we are coaching with you or you're using our system, we want you to think of your ear at a glance in a whole year, what things are going to come up doesn't mean you're going to get it perfect. But if you can start thinking ahead that way, start setting aside money for when those moments come, then you won't have to be reactive. You can be proactive and you can have, maybe just take it out of your savings bucket. It's exciting. Another thing I will add that she did is she had a kids sports checking account with the debit cards. I feel that I know. So not just the kids, she had kids one too, which is for everyday things like haircuts and presents and field trips and socks and whatever else needed. But she also had one strictly for sports and that was for entry fees. That was for concession stands. That was for all of their sporting stuff and it really helped her keep that separate and we funded it year round. Like we didn't, it didn't go up and down based on the season. She knew how much she needed for the year and that's what we funded. So I think that was really helpful. And the fun, super fun vacation that she took and her little outing that she did with her family was the Savannah bananas. Oh yeah. That's not cheap. But yeah, Savannah bananas. Yes. So it wasn't cheap and she knew that and we budgeted in. And sometimes she didn't pay off as much debt as she wanted during the month, but she still, like I said, she lived, she had a good time and she was able to enjoy these facilities with her kids, but also knowing she had a plan. And I think that was the game changer. I love it. Having a plan. Like I'm just so for that. Okay. One other thing that she did, and this is especially true for obviously our entrepreneurs is that she separated her business and personal income. You want to definitely do that because our, your finances altogether business and personal finances, just to get it organized, get it clear. You'll be able to really tell what's going on. But in this case, this is going to feel really good because again, what we're trying to do is be reactive is you guys set up for her to set aside money for her taxes so that when tax bill comes due, you're not like, oh, I owe $10,000. Not another debt. And I'm not prepared. You want to start with that. You want to start to say, if you have a business, you should be saving for taxes period. And just having that done and not even counting it as income, just having it going and it's going to really set you up for success. Yeah. Add a site out of mind and your CPA will thank you. Everybody's going to party afterwards. It's not necessarily the most exciting thing in the beginning, but you're going to be happy later. It's adulting. It'd be just sometimes guys, there's no way around adulting. Just have to do the hard thing. Like you have to like go get your annual exams. You have to do adulting things. There's just some things that we can't. Have to feed the kids every night. Always hungry. And then the final thing that, that we want to, we really want you to like take home is that she did all of this. She paid off 11 debts. She got, got savings buckets started. She got a paycheck ahead within six months. While she has two kids, I don't know if you remember, she had a job. She was changing jobs. She had, she was in school. The kids apparently were in travel sports. Hello. She was in a demanding job. Yeah. It was not like, Oh, I'll just take this season and everything's quiet and I'll just focus on my finances. No, it was a lot going on and she still made all of this progress. And she met me during her lunch breaks. She scheduled and scheduled us in twice a month to be able to meet for coaching. And that's just what had to be done. And again, she was busy. And having that time and space set aside for her to make this happen, I think was the world of difference because otherwise it never, it didn't happen. She was go all day long as you could hear from her life. She, there was not a free moment, but like Shayna said, she did the hard work. She made it happen. And all of this allowed her to set up a system now, hopefully for the rest of her life that is completely automated. Right? It's one of those things where you do the hard work up front and it pays off and dividends over and over again. So we hope that this helped you. We gave you a before and after, which is fun. And you can see that it's not, nobody's perfect out here. We're all, everybody that we're talking to, including ourselves, is going through it. They're in it and there's different circumstances that are tough to solve. And so they were one of them, 34 debts, right? And you see the progress they did. And hopefully you see some of these little nuggets, some of these little action items that we said that she took with Vanessa's help, you could take those two. You could take them and hopefully they will help you. If this is you guys and you've been in the simple way by the system for a while, and you have a lunch break, no, I'm just kidding. And you have a 45 minute lunch break. Listen, if coaching has been on your heart and it's something that you've been thinking about, sign up for a free call, go to budgetbetsys.com forward slash free call. And let's just chat and see if it is a good fit for you and see some of life that you're in. If you're tired of feeling like your finances are all over the place and you're ready for a simple set it and forget it, way to budget, we have something special for you. Watch our Automate Your Budget MedStorm class at budgetbestys.com forward slash automate. We'll show you step by step how to finally organize your money, how to set up your account and put your budget on auto pilot. So your bills, savings and spending are on the clock. Imagine less stress, more savings and the freedom to spend money without having to track every dollar or baby's to your menu. Go to budgetbestys.com forward slash automate to start tonight.