Q&A with Luisa

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
✍️ Creating A Budget
🤑 Impulse Spending

What do you wish you knew about money growing up?

I wish I knew effective ways to save money, not only by saving a certain amount but also by not wasting money on unnecessary things, less splurging.

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?

Don't use a credit card unless absolutely necessary. Create a monthly budget and stick to it. Put some money to the side, even if it's just a few dollars each month.

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

Saving for retirement and vacations.

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

I'm quickly able to pay off credit card debt at a lower interest rate, improve my credit score immediately, and feel better organized by having only one payment.