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Q&A with Amelia

January 18, 2023


Welcome to Member Money Moments – a Q&A series sharing the wisdom, struggles, success, and goals of our Happy Money Members as they navigate their journey to financial freedom.

Financial Wellness

How does money and or debt affect your mental health?

😓 Negatively

What do you find is the most difficult challenge you face when it comes to money?

💰Saving Money
🤑 Impulse Spending

FinEd 101

What do you wish you knew about money growing up?

I wish I understood that money is concrete. You have a set amount, you spend a set amount. Even if you can't see a withdrawal in your account at a given moment, if you spent it, it's gone. I used to rely way too much on my account balance without acknowledging the transactions that hadn't processed yet.

What topics would you most like to learn about when it comes to money?

💸 Learning good spending habits
💰 How to save + achieve financial freedom

What is one piece of advice you would give to others on their personal finance journey?

Ask questions. Understand your options. There are tools that exist that can help you manage your situation, whatever it is.

What’s your first financial goal when you become debt free?

💰 Save a years worth of salary, so that I never have to be stressed out about my employment status.

In what way did Happy Money assist you in your personal finance journey?

The Payoff Loan allowed me to pay off 20k in credit card debt, increasing my credit score by 150 points. It relieved the anxiety I had around my monthly payments, making them manageable again and reducing my interest to a level that felt (and was) achievable.