Susan was a single mother trying her best to provide a great life for her daughter, Olivia. After separating from her husband, she had some difficulty adjusting to the new financial reality of living on one income. This became even more difficult when her ex-husband lost his job and was unable to pay his share of child support. Susan found herself in a place she had never been in before - weighted down with thousands of dollars in credit card debt.
If you have a hobby or even a skill, you can use it to make extra money. But, you have to be good at the hobby or skill, and you have to learn how to market your skills if you want to earn extra money. Before you even get started, identify your niche. Are you a great photographer? Do you have superb writing skills? Woodworking? Crochet or knitting?
Isaiah was living your typical twenties lifestyle. Having just graduated from college, he was beginning his career and starting to push out on his own for the first time. He had his own apartment, his own car and was enjoying the autonomy of financial independence. He had some debt from his college loans but otherwise was fairly financially sound. Things like ‘bankruptcy’ and ‘repossession’ were the furthest from his mind.
David had been gradually building his credit card debt ever since he graduated from college. As he entered his mid-30’s, he was tired of seeing the accounts stuck at the same balances, from making just the minimum payments, after all these years. Over the past decade, he had tried to juggle balances to different cards to take advantage of lower interest or promotional financing, but realized his strategies were not working and he needed to seek help.
For Carmen, getting out of debt was something that she always wanted to do but never seemed to be able to take that big step towards getting it done. Then, after a few years into her retirement and living on a fixed income, she realized that her credit card debt balances had not moved and some of them were growing higher. This is when Carmen knew that she needed to make a change in order to get her financial situation under control.
As year comes to an end, many people abandon their New Years resolution goals from January. They're looking to start fresh in the next year, so they avoid what they haven't yet finished. But that might not be the right way to handle things.
Building Connections with our clients is an integral component of helping you to have a successful program. Our team works diligently to foster open communication with you, listening to your needs and responding to offer you the best customer experience possible. Here are a few tactics we train our representatives on to create that experience for you.
After five years of hard work at his job in a steel mill, Brian was promoted to a supervisor position, which came with a significant increase in pay. Over the course of the next year, Brian’s lifestyle began to change for the better, enjoying his new income level, while still living well within his means. That was until the company he worked for closed a sister steel mill and absorbed some of their staff. With the influx of new employees, some positions were redistributed based on seniority. With Brian only being in his position for a little over a year, he was told he would be taking a demotion and a 20% pay cut in the process.
“We are what we repeatedly do. Excellence, then, is not an act, but a habit.” ―Aristotle
Difficult Adjustment
When Victor retired, he felt confident in his financial situation. He had been diligent about saving and planning for his future beyond, creating a budget that would allow him live comfortably on a fixed income. Unfortunately, when adjusting to certain lifestyle changes, it is hard to account for all aspects of those changes until they happen.
