Johanne Toussaint, Ramsey Master Financial Coach
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You've had those NEVER AGAIN moment, right?
NEVER AGAIN ...
... will I have NO SAVINGS
... will I live PAYCHECK to paycheck
... will I live in DEBT
... will I count on my job for SECURITY
***Let me be your GUIDE to FINANCIAL FREEDOM!!!
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Why I coach!
October 2018, I found myself in $5,000+ credit card debt (not counting other debts) when having paid them off just a few short months before. What did I buy? I couldn’t tell you! I had nothing to show for it and I was frustrated! I was tired of paying off debt and finding myself in the same predicament year after year. I was sick & tired of it, and I knew I needed a change!
I had heard of Dave Ramsey before, but I thought his plans were unrealistic for someone like me. But by this time, I was ready to try a different plan, one that brings the results I so desperately needed!
By December 2018, I cut off all my credit cards, emptied my savings account and paid them off! (I have not personally used a credit card since then - Best decision ever!)🙌🏾 .
January 2019, I embarked on my consumer debt free journey FOR 👏🏽 THE 👏🏽 LAST👏🏽 TIME! It was time to tackle my other consumer debts - student loans, loans from family member, my cell phone, even my phone case & screen protector were financed y’all🤦🏽♀️ ! My goal was to be consumer debt free by December 2019.