At the start of the year, Maggie made a resolution to pay down her debt but August came and her debt had not decreased - despite her paying her credit card bill on time and paying more than the minimum. Maggie knew she needed to make a change. She did not want to keep carrying her credit card debt. She wanted to be out of it within the next year and she knew she needed a clear picture of how she was spending her money so that she could reach that financial goal and do more with her money.
Before working with me, Maggie was saving $200 a month and self-admittedly overspending on her credit card. We worked together to develop a plan that would allow her to save more and pay down debt. But most importantly, we personalized that plan so that it would embody her personality and align with her specific goals.
“I appreciated that Keina allowed me to be this person [myself]. I value freedom and I do not want to limit opportunities. As an Enneagram 7, everything needs to be perfect. "
Because our work started at a point in the year where things like travel, gifts, and holiday parties can seemily catch you off guard and create opportunities to overspend, Maggie was glad we started when we did because it taught her how to better prepare for other seasons and events [like wedding, travel, baby showers, home repairs] that can catch you off guard, make you feel like you’re starting over and hinder you from making the progress you desire.
“Since we’ve worked together, I have felt freedom in individual choices. For example, I’ve saved a travel fund, I’ve been paying off my credit card and I’m not putting more money on it.”
"I realize that I can make choices and it does not have to carry shame. Things [Choices] feel more possible just by naming it.”
Before Maggie started working with me, she did not know where her money was going and it did not have significance for her because it was either in her checking account or reflected in her credit card statement.
"I now know where it [my money] is and where to look [to make decisions before spending]. I can go to my Ally bank and say ‘Do I have enough to pay for this plane ticket?’ or ‘How much do I have to spend on this trip’?"
Since our one-month intensive, Maggie has continued to be intentional about changing her relationship with money and looking for the things that make her say 'Oh, this will probably happen every year.'
Whether that be setting aside more money for landscaping or looking ahead to plan for the holidays.
"I am still working towards feeling free. I see how a plan is meant to change and how I’m going to be informed and I’ll know how to change it and I know how to adapt. I’ll have that sense of not missing out on opportunities. I’m looking ahead to having the money saved to replace my roof if I need to and being able to have more fun this year.”
"I’ve been trying to figure out how to get out of credit card debt and I know how to do math. I’ve been trying to do this since college."
"It’s not a matter of competence, it’s like therapy, you’ve got so much internally wrapped up you need to have an objective person that is going to help and say step back from this and organize.
I’VE TRIED APPS AND I DON’T THINK AN APP CAN REPLACE THIS. I WANTED SOMEONE TO WALK ME THROUGH MY CHOICES AND THE PSYCHOLOGY AROUND WHAT I'M DOING AND WHAT IT MEANS. HAVING SOMEBODY SAY THIS IS WHAT IS GOING WHERE AND HERE IS WHEN YOU NEED TO THINK ABOUT IT AND HOW - IT MATTERED.
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