From Average to Awesome

Hi Scott,

I wanted to share a story with you. Two years ago our young family of five employed a money method that many other families use: everything on the credit card, big limit, and spend, spend, spend! Then pay the bill, except not in full every month, with the snowball effect equaling a biggish ($30k) bill every few years that then has to be paid by rolling it into a larger debt like the mortgage. It was not a good picture.

Then we read your book, and implemented it.

In June my husband was made redundant, with no payout and no jobkeeper! Yet we were fine. And why was that? Because of you. Because we thought to buy a book for $25 and read it and learnt. My parents taught me nothing about money other than spending it, my husband didn’t learn much either. Yet we had our mojo ready to go, and in the end, we haven’t touched it because the husband got a new job and started today.

Five months of no employment, and now it’s over. It was awful and stressful but not nearly as bad as it would have been if we had gone into it with our old plan of big, rolling credit card debt. So Scott, I salute you. Thank you from the bottom of our hearts for showing us the right way to manage money and saving us from what could have been a lot worse.

Jenny

Hi Jenny,

Congratulations, you win the award for the longest question I think I’ve ever published!

Your story gives everyone a great insight into how many families with huge mortgages get by: living day-to-day on credit, and then burying the big bill in their mortgage every couple of years. They go to bed each night worrying ... hoping that life could be different. Then they repent and repeat.

Yet it doesn’t have to be that way.

If there’s one gift you could give your family this Christmas, it would be to finally be in total financial control.

Most families that are conditioned to live on credit would scoff at such a suggestion.

Yet you and I know that the feeling of financial control comes before you’ve paid off even a cent of debt.

Rather, it happens when you have a proven plan – a series of steps – that you know will work.

You faced your financial fire and you were able to say “I’ve got this”.

Congratulations, and have a Merry Christmas!

Scott