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HM Logo Mark

Q&A with Vicky

January 25, 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.

Financial Wellness

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
💳 Managing my debt
🤑 Impulse Spending
🤓 General financial knowledge

FinEd 101

What do you wish you knew about money growing up?

I wish I knew the importance of saving money, in having a monthly budget, and not to live above my means.

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?

Have a plan to save money and live within your means.

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

😎 Increase my savings to supplement my retirement income.

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

Prior to obtaining the loan I was paying over $600 a month on credit card debt. The Payoff Loan allowed me to pay off all of my credit cards. As a result I'm paying half of that amount each month.