Tracy and I have been married for 20 years, and during that time, we have always
carried some form of debt. At one point in our marriage, we found ourselves being
obligated to 20+ creditors and about $40,000+ in debt outside of our mortgage. But
because we decided to utilize the Financial Fitness Program and apply its principles,
we have been able to eliminate seven of the last eight creditors and the $25,000 that
we still had remaining from the original $40,000. However, we didn’t do that without
challenges; we had to buy a new car, we had to pay over $1,000 in home repairs, Tracy and I both had
medical outpatient surgeries that we had to pay as well. But if it were not for our coaches and mentors,
Tracy and I would have probably spent our entire life carrying that debt. We would have been stuck
square in the Financial Matrix; but now because of the Financial Fitness Program, we are able to spend
the rest of our lives chasing our dreams!
My husband DJ and I really started applying the principles of the Financial Fitness
Program in November of 2014. We started our debt snowball by selling a costly truck
and purchasing an old van for cash and applying that payment to the snowball. Then,
we decided to ramp things up and we sold a rental home and a duplex that we owned.
Using the equity from that, we paid off about $230,000 worth of debt and have the
lowest monthly expenses we have ever had in our marriage. We also have two months
of expenses saved up. Unfortunately, we still have a student loan and a credit card left, but with the
money and knowledge we now have, those debts will be gone before we know it!!