Q&A with Patricia J.

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?

How to save better, the dangers of credit card debt (still kind of learning this one) & how/where to invest money for best future financial outcome.

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

🚘 + 🏡 Purchase a car and continuing saving with a long term goal of owning a home.

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

The Payoff Loan helped me pay off all of my credit card debt, which almost immediately caused my credit score to sky rocket. Because of this I was able to move in to a new apartment and restart my savings journey. Happy money has given me the tools I needed, a financial restart button.