Q&A with Christina
January 11, 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.
How does money and or debt affect your mental health?
😶 No impact
What do you find is the most difficult challenge you face when it comes to money?
What do you wish you knew about money growing up?
That using too much credit actually hurts your scores, it doesn't help.
What topics would you most like to learn about when it comes to money?
💰 How to save + achieve financial freedom
What is one piece of advice you would give to others on their personal finance journey?
Don't think that using your credit cards to the max and making payments on time helps. Keep your balances low, on time payments, and don't close accounts, that hurts your scores.
What’s your first financial goal when you become debt free?
🏡 Once this loan is paid off, I want to save to buy an investment property. I work in finance, so I understand the importance of DTI and funds down.
In what way did Happy Money assist you in your personal finance journey?
It saved me about $1,500 a month! I was way over paying credit cards to get the balances lower than 30%. The Payoff Loan was cheaper than my APR on some cards and did one low payment, saving me a ton of money!