1:1 Budget Coaching

Hey, I'm Toni. I graduated from Missouri State University with a business degree. Soon after graduating I married a solider in the United States Army and started moving all over the country. We have two babies and are living a debt free life all while exploring all of the beauty in this country. 

A little about our debt free journey. We stated our debt free journey in October 2018. We had reached our stress limit with using our entire paycheck to pay off our credit cards. After paying off our cards we would have nothing left, so we had to then had to use credit cards to buy our basic needs. We had no idea where our money was actually going. Once we started budgeting it was extremely eye opening to see just how much we were truly spending on unnecessary things. We kicked it into high gear after that. We have accumulated almost $35,000 in debt and to a single income family, that was terrifying. Every extra penny we could squeeze out of our budget went to debt. Tax returns, bonuses, everything straight to debt. We knocked out our debt in 10 short months! 

Throughout our journey, I learned so much about truly living a debt free life and how freeing having a budget can really be.  I want to show people, especially women, that you can pay off your debt. No matter the number. You can do it! You can stop relying on credit to live. You can plan for those unexpected things that haven't even popped up yet. You can take the stress out of your finances and just enjoy your life, without the guilt later on.Hey, I'm Toni. I graduated from Missouri State University with a business degree. Soon after graduating I married a solider in the United States Army and started moving all over the country. We have two babies and are living a debt free life all while exploring all of the beauty in this country. 

A little about our debt free journey. We stated our debt free journey in October 2018. We had reached our stress limit with using our entire paycheck to pay off our credit cards. After paying off our cards we would have nothing left, so we had to then had to use credit cards to buy our basic needs. We had no idea where our money was actually going. Once we started budgeting it was extremely eye opening to see just how much we were truly spending on unnecessary things. We kicked it into high gear after that. We have accumulated almost $35,000 in debt and to a single income family, that was terrifying. Every extra penny we could squeeze out of our budget went to debt. Tax returns, bonuses, everything straight to debt. We knocked out our debt in 10 short months! 

Throughout our journey, I learned so much about truly living a debt free life and how freeing having a budget can really be.  I want to show people, especially women, that you can pay off your debt. No matter the number. You can do it! You can stop relying on credit to live. You can plan for those unexpected things that haven't even popped up yet. You can take the stress out of your finances and just enjoy your life, without the guilt later on.