"My whole life was challenged with credit card debt. Thanks to Tom I was able to actually balance a budget and know where every penny was spent. Tom worked out what applied to my life and not just everyone else. His encouragement kept me from slipping off track like other budgets I had tried. Thanks Tom!"
~Brenda P.

"Realizing we were in an impossible situation, and we had no choice but to file bankruptcy, Tom gave us the tools to plan for the future and made us realize that we were not “stupid” “bad” people, we were just in a bad situation. We are struggling, but using the tools and programs we learned through Tom’s coaching, it keeps us looking forward and not backwards." ~GTW

"Our biggest financial challenge was having too much month at the end of the money! With our irregular income we did not think it possible to get a handle on things, but with the help of Tom and his various spreadsheets, savings plan, and encouragement we were able to get a handle on things.  We now have a savings that we continue to add to each month and have found that we can get to the end of the month with money! Tom is very helpful and will be able to guide you through the steps of making a better life for yourself and your family!"
~BJG

"We got ourselves into a "debt spiral" not really know how to get out. It just seemed like every month we were just a little more in debt. We weren't beyond hope, but I couldn't seem to turn this trend and I was having trouble paying off the current debt, so it was just growing. Tom's coaching helped tremendously. He walked me through the "debt snowball" and "budget" processes and helped me plug the leaky holes were money was seeping out unknowingly. We have turned the trend and are able to pay off the debt. We hope to be debt-free in a year. His help has greatly reduced our stress over the finances. We have enough money with a budget to pay for our living expenses, to save for things we want, and we have control of the debt spiral. I use the budget program every month and it has been a tremendous help!" ~Rebecca K.