Q&A with Patricia M.

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

What do you wish you knew about money growing up?

How to budget efficiently and correctly.

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?

If you can avoid it, do not use credit cards. You will dig a pit out of which it is hard to climb!

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

Leave money we have saved with The Payoff Loan for our children!

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

As a senior citizen, it is important for me to pay our debts so our children do not have to worry about it. We were able to borrow enough money to pay off four accounts which carried very high finance charges. The Payoff Loan has a much lower interest rate and will be paid off in two years. The only monthly payments we have left are insurances and utilities and one credit card.