In mid-August of 2014, I pulled into my driveway after a day of running errands, checked my bank account app on my phone and started crying. I’d been paid a mere two weeks before and I was already down to a slim $14 which was supposed to get me through the rest of the month.

I was 27 years old, had a full time job that paid well, and I had absolutely no clue how to manage my finances. I had $29,941 in debt – the sum of 3 credit cards, 2 personal loans, and a car payment. I was overspending by about $400 every month and I had no idea how to stop.

I was clueless, disheartened, and ashamed. I felt out of control.

However, on August 14th my life changed forever.

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