“Before talking with Mel and Murph about finances, my idea of “budgeting” consisted of designating money for bills and then the rest of my income was “free game”. Of course, this meant that I overspent, couldn’t build up my savings, and wasn’t paying off my debt. Seeing Mel and Murph accomplish their financial goals and paying off thousands of dollars of debt in just a few short years had me question if they had something special going that I should ask them about. When I finally acknowledged that I needed to turn things around financially, I knew that Mel and Murph would be open to helping me with no judgement. They had always been excited to share about the tools, methods, and resources that helped them reach their financial goals. When they sat with me to go over my budget, it was fun, thoughtful, and inspiring and I realized the importance of actually BUDGETING all my expenses instead of just factoring in my bills.

With using a budgeting tool like Every Dollar, I became diligent with tracking my income and expenses and I was able to make large payments on some credit card debt when I didn’t think that was possible before. Mel and Murph were available and supportive to help guide me through the process and I’m so grateful for their encouragement. I’m in the beginning of my steps toward financial freedom but I have hope and excitement in meeting my goals when I didn’t see how it was possible before. Plus, I have been blessed with TWO raises in the few short months that I started this journey and have had random amounts of money show up in various ways! It’s amazing to see God show up for me through the support and guidance that Mel and Murph have given and I can’t wait to experience what happens next!”