Courtney’s Story

She had credit card debt, no savings, and bills going unpaid. “I started making more money but was still making poor decisions that left me broke.” Tired of feeling stressed out from her debt, she decided she wanted to get her financial life under control.

Courtney was living paycheck to paycheck, working to put herself through school. Eventually she graduated and got a good paying job, but her money troubles didn’t go away. She couldn’t figure out where her money was going. She had credit card debt, no savings, and bills going unpaid. “I started making more money but was still making poor decisions that left me broke.”

Tired of feeling stressed out from her debt, she decided she wanted to get her financial life under control. She knew she needed additional support to reach her goals. One “free financial advisors” google search later, she found her way to Mary Rigg where she connected with Nikki one of Mary Rigg’s money coaches. They sat down and discussed her financial history.

Upon reflecting, Courtney said that financial insecurity was normal in her life. “The environment I grew up in it was normal to have debt. There was never saying no to something. If you wanted to do something – put it on a payment schedule. It was normal to put what I needed to do on the back burner.” Nobody educated her on how credit cards work so things got out of control real fast. Nikki and Courtney worked together on making an action plan to start tackling debt and build savings.

Courtney put in the work. She came to financial workshops, she tracked all her spending, and she even called collectors to negotiate her debt. Courtney has come a long way since that day in July of 2022. She has managed to build up savings, increase her credit score by 60 points, and pay off her credit card debt.

Courtney will be the first to say the changes she had to make weren’t easy, but shifting her mindset was what got her to where she is today. “I realized I was misusing my money. I used to be in a poverty mindset where I felt I had to spend money because I didn’t know when I would have more. Now, I ask myself more conscientious questions.”

Courtney knows what it is like to feel stuck in a financial rut but now that she is on the other side, she is motivated to make sure she stays on track and encourages others if they are feeling the same way to take that first step. “I didn’t think I would be out of debt let alone have money in savings…Take the first step and have patience, anything is better than nothing.”