Debt Inflation Weighing You Down? Give Your Money Wings.

Can I Show You What Changed My Life?

Before discovering 101 Financial, my husband and I thought we had our finances under control. We kept things separate: each of us had our own income, and once a month, we’d meet up to split the bills. Anything we had left over was ours to do with as we pleased. Simple enough, right? But deep down, we both knew we weren’t really in control. We were pretending to have things together when, in reality, we had no real understanding of how to manage our finances. We had our own little routines, but they weren’t sustainable. The idea of our financial situation being anything other than "fine" hadn’t fully hit us—until we decided to join the 99 Financial program. That was when everything changed. Starting with 99 Financial was eye-opening. The first step was laying everything out on the table: every income source, every debt. And trust me, it wasn’t easy. I had credit card debt I thought I was managing responsibly, but deep down, I knew I wasn’t in a good place. My husband wasn’t in a much better position, either. He had multiple loans and credit card debts that seemed to grow rather than shrink. When we added everything up, it hit us like a ton of bricks. Our combined total debt was a whopping $60,000. I was absolutely mortified. How had we let things get so out of hand? The truth was, we didn’t know diddly squat about managing our finances. But this was the turning point. In the 99 Financial system, we learned the basics—how to track our income and expenses, how to make sure we were spending within our means, and, most importantly, how to set real goals for our financial future. I’ll admit, it was overwhelming at first, but we committed to sticking with it. We knew we had to get serious if we wanted to make real progress. One of the biggest revelations for us was how disconnected we were from our money. We thought we were being responsible, but we weren’t tracking anything. Once we started following the 99 system’s guidance, we could see where every dollar was going. It was hard, but it was a wake-up call. No more "set it and forget it" budgeting. We had to be intentional with every single decision. After five weeks in the 99 Financial program, we were ready for the next step—moving on to the 101 Financial class. We’d learned the basics, but 101 was where we really started to see change. Armed with the knowledge and confidence we gained in 99, we focused on paying down our debt and building healthy financial habits. Well, in just 18 months, we were completely debt-free. Yes, you read that right. We went from $60,000 in debt to zero in less than two years. That’s something I never thought was possible. One of the best parts of the 101 Financial experience was the guidance from our instructor during the first three classes. These weren’t just tips and tricks for paying down debt—they were foundational lessons that helped us develop long-lasting financial habits. From creating a budget we actually stuck to, to understanding the importance of an emergency fund, we learned the principles that guide us to this day. Now, my husband and I are on the same page when it comes to finances. We’ve established joint goals, and we’ve built a plan for the future that we’re both committed to. Our financial journey isn’t perfect, but we’ve learned how to handle challenges and stay on track. Looking back, it’s clear that joining 101 Financial was one of the best decisions we’ve ever made. What started as a series of monthly meetings to "split the bills" transformed into a powerful partnership where we both feel empowered to manage our money. No longer are we pretending we have it together—now, we actually do. If you’re in a similar situation, feeling overwhelmed by debt or uncertain about your finances, I highly recommend giving the 101 Financial system a try. The results speak for themselves. It’s more than just financial education—it’s a life-changing journey to financial freedom.

- Theresa Mitchell, 101 Financial Instructor Money Coach