My husband DJ and I really started applying the principles of the Financial Fitness Program in November of 2014. We started our debt snowball by selling a costly truck and purchasing an old van for cash and applying that payment to the snowball. Then, we decided to ramp things up and we sold a rental home and a duplex that we owned. Using the equity from that, we paid off about $230,000 worth of debt and have the lowest monthly expenses we have ever had in our marriage. We also have two months of expenses saved up. Unfortunately, we still have a student loan and a credit card left, but with the money and knowledge we now have, those debts will be gone before we know it!!
Melissa Berezay

Persistence is paying off! Over the course of one week’s time, my wife was able to reduce our mortgage from a 30-year to a 15-year loan and she cut our interest rate from 6% to 2.75%. She also went through some credit reporting activity and found that there was money on the table there—$360 coming back from a credit reporting agency because they left stuff on my credit report that shouldn’t have been there! So she cleaned that up. She also went in and got our car and home insurance reviewed. We went from one company to another just by price-matching. That dropped our insurance down $1,000 per year. And here’s the big one. She has found a way to get rid of our interest-bearing-debt and our medical bills—$8,500 in one week—completely wiped out. My wife has become my Phoenix! She’s following the Financial Fitness principles that she’s hearing all the time on the audios and it’s changing our lives. Thank you!
Patrick Thatcher