A Healthy Relationship with Money

Kelsi and her partner were your typical young couple with goals to better their future (together as a couple). Like most couples, their incomes were combined into one for regular spending, such as household needs and phone bills.

When Kelsi and Thomas started on the OPD program, their debt was manageable, but inspiration to “get ahead” of their debt and be financially responsible motivated them to start a new life debt free.

As Kelsi started researching online for suitable resources, she noticed Money Mentors offered services from debt counselling, money coaching to financial literacy, and she knew it was the perfect fit for her financial needs and desire to have a healthy relationship with money.

“Our debt was never out of hand. We just wanted to learn how to deal with our finances before it got to a point where we couldn’t cope or understand how to deal with it.”

“I remember the first meeting vividly our counsellor gave it to us in black and white, there was no beating around the bush; she gave us exactly what we needed to hear about our spendings and reassured us that our situation was definitely manageable. She made us feel at ease — she was awesome at giving us that support!”

After going through all of their debts with Iris, their Counsellor, the couple realized they had not been exercising a particular step critical to achieving financial stability and having a healthy relationship with money — budgeting.

“We weren’t budgeting at all, so that was something we took away from the meeting right away. We also learned how the credit card companies can take control of you if you don’t stay on track and how hard you have to work for every dollar.”

“I think having that pressure that, yes, we have higher payments, but it’s doable, made us more conscientious of what we are spending our money on.”

“The courses really helped us learn how to budget — it was good at showing us, hey, we can have the luxury of eating out, but we can also make a nice meal at home — it was all about knowing how to make those cuts.”

Like most couples, Kelsi and Thomas wanted to enjoy a leisurely life without the stress of crippling debt. Trying to always stay one step ahead of their debt, they decided to also plan for the future to ensure they are financially stable well into their years of retirement.

“The courses on budgeting, savings and especially the one about RRSPs and TFSAs, were very beneficial because now we know how to manage our finances, and plan ahead for those unexpected things!”

“Time just flew by! We weren’t affected by it,; we just adjusted, were able to live with it, putting our minds at ease that we were able to work towards that final goal having everything paid off! “

The couple successfully consolidated their debts, paying off a total of $17,973.05. The soon to be newlyweds are planning to get married in August and start a new chapter in life as a debt free couple.

. . .

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