How 101 Financial Changed My Life
Our journey began in July 2009, when Paul lost his full time job and being that I am a housewife with our two young children, we knew that our lives would be changed as of this point especially with the bad economy. Although Paul still had 2 part time jobs, we wouldn’t be able to do a lot with that. The fear of not being able to pay rent, food, gas, utilities, and diapers weighed heavily on our shoulders. It's amazing how the stress of finances played an enormous role in our relationship even more so at this time than before which was not healthy for our family.
A friend invited us to a workshop, things started to make sense, and at the end of the workshop, amidst my doubt, I felt a sense of HOPE and was excited to do our finances. We felt such relief that evening and went to sleep with peace of mind, knowing that everything will be ok. We had our first class and due to the fact that we had a $2300 negative cash flow because of the loss of income we started the 99 Financial system which was our start to building our strong financial foundation.
Being taught how to organize differently than what I was used to doing, made a big difference for me and saved me a lot of time when doing our finances. From 2-3 hours down to 10-15min max. I loved it!!!
Now that we had things organized we needed a plan to focus on increasing our cash flow. With the help of our instructor who shared options that was simple to do, we were willing to face it head on and just do it. Well, working together as a family with our 2 children involved, we were all able to bring our negative $2300 to a positive plus $101 more in 1 month and Paul still didn’t have a full time job.
The 99 system taught us a lot, it was simple and rewarding because of the goals we were able to reach in a short time. Being able to look at our finances 2-3 months ahead of time and planning for it versus living paycheck to paycheck was a blessing in itself. We were able to do more with less and we all felt a sense of accomplishment. As a family we took it a day at a time and the end result of being on the 99 financial system was rewarding and successful.
We were able to graduate to the i101 Financial System in September, the following month and being on the i101 system, was the beginning of our journey to get out of debt and secure a brighter financial future. Prior to starting on the systems we had $32,000 in consumer debt like credit cards and a car loan and was able to pay $30,000 off in less than a year of being on the i101 system. Life threw curve balls at us but because of the education we received we faced it with no stress because we had a plan and support. We were debt free in 2014, and was able to increase our savings even after taking our family trip to Disneyland.
Our dreams became reality in Oct of 2014 when we purchased our 1st home after just returning from our paid family vacation to the mainland and in Dec of 2015, we decided to spend Christmas and New Years in Vegas and Disneyland which was also paid off in Oct 2015 before we left. It does feel great to know that we didn't have a loan to pay for these trips when we get back. Within the last 3 years we have been able to do renovations on our home, clearing of our land on part of our 3 acres, paid off our truck and car payment within 1 year which would have taken us 5 years and purchased another new truck which should be paid off in a year. We have also just paid off our 30 year mortgage in 3 years. We will always be thankful for 101 Financial and the blessings it has given us which is Financial Peace of Mind.
Why I Decided to Become an Instructor
As a student, 101 Financial has really helped in my financial life and given me financial peace of mind. I
became an instructor to pay it forward and help others achieve the same peace of mind. I joined this
financial crusade to bring financial education to families and communities. It’s time for me to now help
My Promise to You
If I can do it, you can do it! With the resources of 101 Financial, including myself, you will finally be
taking that dream vacation—without worrying about the interest. Let’s chat!
Schedule a Free Financial Review with Paul & Kelly