Q&A with Caitlin

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.

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
💳 Managing my debt
🤑 Impulse Spending

What do you wish you knew about money growing up?

So much! I wish I knew about budgeting and how to do it properly, and I definitely wish I knew about the importance of saving when I was growing up.

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

💸 Learning good spending habits
💳 How to manage debt
💰 How to save + achieve financial freedom
😊 Healthy budgeting techniques
🧘 Tools to assist with financial wellness & money

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

I promise you, no matter how stuck you feel and no matter how much debt you're drowning in, YOU CAN get it under control if you take it one small step at a time!

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

The first goal I have for when I become debt free is to start aggressively saving for a down payment for my first home!

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

The Payoff Loan helped me get control of my personal finance journey as I was working on paying off various credit cards with different rates, balances, and minimums. Consolidating down from 5 cards to one loan with one set monthly payment made it so much simpler to keep track of, and made it possible to make more progress quickly with the lower interest rate.