We are Finance Coaches whose goal is to help people get their finances in order and on-track.
The reason why we began this business goes back to when we first got married, Luke had owned a house for about two years. When he purchased, he was told that he would be financially fine with an adjustable mortgage. After we got married, the mortgage adjusted, and we were not financially fine…
We had moments when our bank account would read – $800, and that was immediately after we got paid. We had our water shut off… We would go get gas for our cars and would be stuck until we could find a way to get money into our account… We would go to the beach to try and clear our minds, but could only stay for a little while because we didn’t have cash for the parking meter. And I cannot tell you how often we would call out on our cell phones, only to be sent directly to the billing department because we had not paid our bill. We were financially drowning to say the least.
Luke came across a book, Dave Ramsey’s Total Money Makeover. After reading it, he became adamant on getting our finances in order. However, I did not read the book so did not understand where he was coming from. He tried to explain it, but I didn’t get it, I simply felt that we were helpless. Not too long after he read the book, our church was offering Dave Ramsey’s Financial Peace University. We decided together that we would take the course. It was while we were taking the course that we started to think similar on our finances. Thank goodness!!! But we still had a lot to learn and a long way to go…
We decided to stop paying our mortgage. We were always taught to never give-up, however, at that point, with our lender not willing to work with us, we felt like there wasn’t any other choice. About a year after we stopped paying, we received the notice that we were going to be evicted. We packed-up our things and moved out to an apartment in Irvine.
While living in Irvine, we had an amazing realtor who was able to help get a short sale on our house. During this time, we paid off our truck! It was an unbelievably freeing feeling getting that pink slip! But, we were still learning the importance of getting our finances in order. There were still times that we would fall into the negatives in our bank account. We had taken a lot from Dave Ramsey’s course, but were still having a difficult time applying certain things that we learned.
In an attempt to make a long story short, it took a few years for us to completely grasp the fact that while money should NOT take over your life, getting to a point in which you feel like your finances are in order is an extremely important part of life. A lot of prayer, knowledge, and putting that knowledge to practice, helped get us to where we are today. We are now proud to say that we are doing our best to live our financial life based on biblical principles.
The only debt we currently have is our mortgage. We have paid off our student loans, our credit cards, our cars, a timeshare, are currently living in a home we purchased together about two-and-a-half years ago, and have our emergency fund in place!
It has not been an easy journey. But we have gotten through with the help from Christ, and from each other. And in the end, our marriage has strengthened, our faith in Christ has strengthened, and our knowledge of finances, and desire to live a life not dictated by how much money we make has strengthened. We have learned that NOTHING IS IMPOSSIBLE.
We have completed a Financial Coach Master Training course, Financial Peace University, and have lived through some tough financial situations. All of this has provided us with a knowledge aimed at guiding others with their finances.